Help to Buy Mortgages | Rite Mortgages Whole of Market Brokers

Help to Buy

The Government Help to Buy scheme has helped countless first-time buyers and those looking to move get into their desired property. Let our mortgage advisors show you how.

The Government Help to Buy scheme is designed to help you break into the property market without needing the usual 20% deposit in return for a higher mortgage repayment rate. With the Help to Buy scheme, you’ll only need 5% of the total cost of the house, which can help you if you’re struggling to save for the initial fee.

If you already have a higher deposit available, there’s almost certainly a better choice to take. However, the Help to Buy scheme is a good choice if you’re looking to own your first property.

Bear in mind that the Government Help to Buy scheme is being changed in January 2017. If you’re planning to use this scheme to help you buy your home, it’s worth talking to us first as there might be better deals available soon.

Why Choose Rite Mortgages?

Expert, accurate advice from professional mortgage brokers.

Access to mortgage rates you won’t get from high street lenders.

We’ll manage the process from start to finish, including documentation and negotiation.

Long-term support from our dedicated mortgage advisors. We’re happy when you are.

Free, no-obligation review of your current situation.

We’re directly Authorised by the FCA (Financial Conduct Authority).

The Help to Buy Mortgage Guarantee

The Help to Buy scheme is designed to help those who have less than the usual deposit available for their desired home. Most banks will not provide loans for anything more than 75% of the house price. However, the Help to Buy scheme guarantees the bank more financial security, making 90%-95% loans less of a risk. Although you’ll end up spending more on the mortgage in the long run, it does help you own and start paying off a home sooner.

This scheme can be used for regular or newly built homes under £600,000, and you can be a first-time buyer or a current homeowner looking to move.

If you think a Help to Buy scheme is right for you, get in touch with our mortgage advisors and we’ll talk you through the process, or recommend a different scheme if we think you’d benefit more.

Help to Buy Equity Loans

Similar to the Help to Buy mortgage guarantee, the Help to Buy equity loans are offered by certain home building associations. This allows you to put down a 5% deposit on a home, with the government providing up to 20%. This allows you access to the cheaper 75% mortgage rates, but puts restrictions on letting the home out, making selling the home less profitable.

We’ll show you how to make sure the Help to Buy equity loans work in your favour and can manage everything — from paperwork, to negotiations and more. Get in touch and we’ll talk you through it.


  • Harpal Panesar
    This is third time we used your company, the level of service, professionalism and dedication shown by Mr Rodden as been superior. In his words "Perfect" Thank you again for helping us secure property/mortgage number three.
    Harpal Panesar
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    Great service from start to finish, highly recommended Made the whole process easier and stress free for us
    Tara Elder
  • Theresa Benton
    went above and beyond for us especially with all of the issues with our solicitors.
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  • Kayreen Di Folco
    Thank you so much to Steven for everything he has done for us. As first time buyers, the mortgage market was not easy to search and compare. Steven was professional, approachable and sorted everything out for us. We had a mortgage acceptance and offer within 24 hours. The service was fantastic and I cannot reccomed Steven and RiteMoney enough. Thank you!
    Kayreen Di Folco
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    The service provided was great. I would recommend rite money to anyone. Thank you to Steven and Hayleigh for all the help you where amazing through it all and able to help answer all my questions.
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    Fraser provided us with an excellent service and everything was completed quickly and efficiently. He made the whole process easy and was always very friendly. He replied to emails quickly and always ensured that he made himself available if we had any questions.
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    I am extremely happy with the service provided to me by Steven Ward and his colleagues whilst purchasing my first home. They were all very efficient and helpful and Steven could not have done any more for me. A very reliable and professional firm.
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    Steven has made the process of finding and changing mortgages and life insurance a seamless and stress free one. I have not had to concern myself with anything. He was helpful and supportive when I didn’t understand something during the process. He is able to explain things in an easy to understand way and I had every confidence that I would get the best deal for me
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    Steven was very helpful, and kept us updated throughout. Even when we hit a small (slight understatement), he had a plan B which meant we were able to get the home we wanted.
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    I had been rejected by a financial advisor previously and didn’t hold much hope of getting any sort of mortgage, but here I am. I picked up the keys last week and was in regular contact with the team right up to moving day. I cannot recommend rite money enough. Thank you for taking a lot of stress of my shoulders.
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  • Adrian Batson-Jones
    Let me be clear, I do not usually write these reviews, however...... Steven Rodden was exceptional from The start of our process to the end, and it was lengthy due to being unable to find a suitable property. Steven was very patient, always willing to go an extra mile to help us out, I would recommend Steven to anybody!! Exceptional service and comes extremely recommended First class..... Thanks Steven
    Adrian Batson-Jones
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    Steven was highly personable with his approach and I felt that I could get in touch with him with any queries at anytime. I would highly recommend his services.
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    Steven was incredibly helpful from start to finish. It can be a minefield out there when applying for a mortgage and Steven guided me through the steps and explained everything in a way for me to fully understand what was happening. Exceptional service provided, highly recommend.
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    Rite mortgage exceeded my expectations.
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    I highly recommend using Rite Money. They found me a mortgage when I was not sure I could get one. My advisor Steven Ward and also Hayley Kinsella were brilliant all the way through, Thank you guys.
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  • Amelia Jones
    Steven Ward is a credit to your company.. from start to finish he has been with me every step of the way, and so smoothly, i really could thank him enough for all his time and effort. Thank you Steven you have been fantastic!!!
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    With all the disadvantages to getting a mortgage you could think of, these guys still delivered in full. Thank you so much. I have my life back!
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  • Abdul Barik
    This is my second time using ritemortages and they have never failed to please me with their expertise and knowledge of mortgages on the market. The adviser which dealt with me on this occasion was Fraser Pete whom was very professional and efficient whilst giving me the right advice for choosing the right product that's right for me. My adviser was also always on hand to answer any questions that I had or anything that I didn't understand. On my first occasion my mortgage adviser was Scott Farrell who was also excellent in providing me with the right Mortgage with the right lender for my buy to let properties. The whole team at ritemortages were very helpful and professional at what they do. Abdul K Barik
    Abdul Barik
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    Great experience remortgaging with Rite mortgages. Everyone was very helpful and the whole process was completed very quickly. Really impressed with the service!! Thank you to the team. Can we publish your Testimo
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    Adviser was really helpful, empathetic and honest advice, and solid product knowledge backed up by helpful support team
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  • Andy
    The bank told me that since I’m self employed I couldn’t get a mortgage. You got it in 2 weeks.
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    We had almost given up hope of remortgaging our house because of our age… we now have a mortgage we can afford.
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    Buying my first flat couldn’t have been easier… it was really simple.
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