Although the Government’s Help to Buy Equity Loan scheme has now closed to new applicants, many existing Help to Buy homeowners still need tailored mortgage advice — especially when remortgaging, staircasing, or moving home.
SynergiseUK connects you with brokers experienced in every stage of Help to Buy, including remortgaging, equity loan repayment, and transitioning to a standard mortgage product.
Specialist Brokers for Help to Buy Mortgages
SynergiseUK is not a broker.
We introduce you to a panel of Specialist Mortgage Brokers who regularly assist:
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Existing Help to Buy homeowners
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Customers remortgaging out of the scheme
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Buyers repaying or part-repaying the equity loan
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People wanting to staircase without selling
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Homeowners switching from Help to Buy to a standard mortgage
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Clients needing advice on rising interest or property valuations
These brokers understand the specific processes, documentation, and lender requirements involved in Help to Buy remortgages and equity loan repayment.
What Are Help to Buy Mortgages?
A Help to Buy Mortgage refers to any mortgage used alongside, or after, the Government’s Help to Buy Equity Loan scheme.
While new applications are closed, existing homeowners still require:
Help to Buy Remortgages
Switching your mortgage when your initial fixed rate expires.
Equity Loan Repayment Mortgages
Borrowing to repay part or all of the Government equity loan.
Staircasing
Repaying stages of the equity loan to reduce Government ownership of the property.
Moving Home
Selling your Help to Buy property and purchasing a new home with a standard mortgage.
Why Choose SynergiseUK for Help to Buy Mortgages?
Specialist Advisors for Existing Help to Buy Clients
Brokers understand valuations, equity loan repayment rules, and lender criteria.
Whole of Market Options
They compare a wide range of lenders offering competitive Help to Buy remortgage rates.
Support With Government Processes
Including equity loan redemption, RICS valuations, and handling the Help to Buy agent paperwork.
Borrowing to Repay Your Equity Loan
Find lenders who allow borrowing specifically for equity loan repayment.
Smooth Transition to a Standard Mortgage
Ensure you move away from Help to Buy without unnecessary delays or fees.
Guidance on Rising Interest Rates
Brokers can help calculate the impact of interest on your equity loan once the interest-free period ends.
Plan Ahead with Our Tools
Use our Mortgage Calculator to estimate potential repayments when moving from Help to Buy to a standard mortgage.
Secure the Right Mortgage for Your Help to Buy Home
SynergiseUK connects you with specialist brokers who support Help to Buy homeowners every step of the way — from remortgaging to full equity loan repayment.
Further Products or Services you may also be interested in...
- Conveyancing
- First Time Buyer Mortgages
- Home Buyers Protection
- Will Drafting
- Wealth Management
- Property Trusts
- Tax Support
Click on any of the above to discover more
Frequently asked Q&A's
Yes — lenders offer remortgage options even with an outstanding equity loan.
Yes — many homeowners remortgage specifically to repay the Government loan.
Yes — a RICS valuation is required for equity loan redemption.
Yes — partial repayments (staircasing) are allowed.
You can remortgage to a new lender or stay on your current lender’s standard variable rate.
Yes — but you must repay the equity loan when selling.
Yes — after the interest-free period, interest is added annually.
Subject to affordability checks, many lenders allow this.
Specialist brokers know which lenders offer the best options.
We introduce you to brokers experienced in Help to Buy remortgages and equity loan repayment.
A mortgage is a long-term financial commitment and is not suitable for everyone.
Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
Interest rates may be fixed or variable. If you take a variable or tracker mortgage, your repayments could increase if interest rates rise. Changes to your personal circumstances — such as loss of income, illness, or increased living costs — could also affect your ability to meet repayments.
Mortgages often involve additional costs, including arrangement fees, legal fees, valuation fees, early repayment charges, and other lender or adviser fees. Extending the mortgage term may reduce monthly payments but can result in paying more interest overall and remaining in debt for longer.
You should carefully consider affordability now and in the future and seek professional advice before proceeding.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
No. SynergiseUK does not provide mortgage advice or lending decisions.
We act solely as a referral platform, introducing potential customers to authorised mortgage advisers or lenders.
Any advice, affordability assessment, credit checks, and mortgage recommendations will be provided directly by the authorised provider, who is responsible for ensuring the product is suitable for your circumstances and compliant with Financial Conduct Authority regulations.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
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