{"id":588,"date":"2025-07-28T14:59:26","date_gmt":"2025-07-28T13:59:26","guid":{"rendered":"http:\/\/advice-dev.rm.posiweb.net\/?p=588"},"modified":"2025-07-28T14:59:26","modified_gmt":"2025-07-28T13:59:26","slug":"mortgage-guarantee","status":"publish","type":"page","link":"https:\/\/www.rightmove.co.uk\/guides\/buyer\/ways-to-buy\/mortgage-guarantee\/","title":{"rendered":"Help to Buy Mortgage Guarantee"},"content":{"rendered":"\n<p class=\"text-red\"><em><strong>** The Help to Buy: mortgage guarantee scheme was a limited scheme which finished at the end of 2016 **<\/strong><\/em><\/p>\n\n\n\n<h2 id=\"what-is-the-mortgage-guarantee-scheme\" class=\"wp-block-heading\">What is the mortgage guarantee scheme?<\/h2>\n\n\n\n<p>The Mortgage Guarantee scheme makes it possible to purchase a pre-owned or new build property under \u00a3600,000 with a 5% deposit. It could get your home-moving ambitions back on track.<\/p>\n\n\n\n<p>Here\u2019s a quick summary of the important bits:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Available for pre-owned properties and new builds across the UK \u2013 up to the value of \u00a3600,000.<\/li>\n\n\n\n<li>Both existing homeowners and first-time buyers are eligible.<\/li>\n\n\n\n<li>Buyers need a minimum of a 5% deposit.<\/li>\n\n\n\n<li>You must occupy the property and it must be your only property.<\/li>\n\n\n\n<li>Available across the UK from participating mortgage lenders.<\/li>\n<\/ul>\n\n\n\n<p>Help to Buy is a government-backed scheme to support buyers who may previously have struggled to raise a sizeable deposit. It\u2019s the same as a traditional mortgage, except the government guarantees a portion of the loan to an affiliated lender (though the agreement is between the lender and the government, not you!).<\/p>\n\n\n\n<h2 id=\"so-what-do-you-need-to-know\" class=\"wp-block-heading\">So what do you need to know?<\/h2>\n\n\n\n<p>The Mortgage Guarantee scheme can only be used for property you intend to occupy, and must be your only property. A minimum deposit of 5% of the property value will be required. The rest is par for the course \u2013 as long as you tick the lender\u2019s boxes in terms of credit score and loan-to-income ratios. Another thing to note is that the scheme only applies to repayment mortgages. Interest-only and self-certified mortgages are not included.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>** The Help to Buy: mortgage guarantee scheme was a limited scheme which finished at the end of 2016 ** What is the mortgage guarantee scheme? The Mortgage Guarantee scheme makes it possible to purchase a pre-owned or new build property under \u00a3600,000 with a 5% deposit. It could get your home-moving ambitions back on [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":0,"parent":1262,"menu_order":134,"comment_status":"open","ping_status":"open","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-588","page","type-page","status-publish","hentry"],"acf":{"author_profile":[]},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Help to Buy Mortgage Guarantee | Rightmove Guides<\/title>\n<meta name=\"description\" content=\"The Mortgage Guarantee scheme made it possible to purchase a pre-owned or new build property, under \u00a3600,000, with a 5% deposit.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rightmove.co.uk\/guides\/buyer\/ways-to-buy\/mortgage-guarantee\/\" \/>\n<meta property=\"og:locale\" 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