The "Help to Buy" brand historically encompassed two distinct financial mechanisms designed to bridge the "deposit gap" for buyers:
Instead of lending money directly to the buyer, the government provided a financial guarantee to lenders. This encouraged banks to offer 95% Loan-to-Value (LTV) mortgages, which had largely disappeared after the 2008 financial crisis. 📉 Current Status in 2026 help to buy mortgage
The Help to Buy – Wales scheme remains active for new-build properties under £300,000 until September 2026 . The "Help to Buy" brand historically encompassed two
The original Equity Loan schemes are closed to new applicants. help to buy mortgage