We can help you find the best way to take advantage
Help to Buy: Equity Loans is a Government-backed scheme that’s designed to make getting on the property ladder a little easier for borrowers who can’t afford a big deposit.

Depending on where you want to buy in the UK, there are slightly different schemes. We can talk you through the differences and show you how to access Help to Buy and pick up the keys to your first home.

How Help to Buy: Equity Loans work

  • The scheme applies to all new-build properties in England worth up to £600,000
  • Your deposit is supplemented with a loan from the Government worth 20% of the property's value (40% in London)
  • You won't be charged loan fees on the 20% loan (40% in London) for the first five years of owning your home.
  • After the first five years you will pay an additional fee as interest of 1.75%, rising annually by the increase (if any) in the Retail Price Index (RPI) plus 1%.
  • The amount remaining, after the Government loan and your deposit, is obtained from a mortgage lender

What we offer:

  • Award-winning, free and independent mortgage advice, dedicated to supporting the Police family
  • Personal review with one of our specialist advisors
  • Quick, hassle-free, simple service
  • We’ll search the whole of the mortgage market, saving you time and effort
  • Access to exclusive products not available on the high street
The (not so) small print

Your home may be repossessed if you do not keep up repayments on your mortgage.

Police Mutual provides free mortgage advice and receives a commission from the mortgage lender which we use to fund this service.

Mortgage advice services are provided by Mortgage Excellence Plc, trading as Police Mutual. More information is available on our legal page.

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