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Help to Buy Mortgages

 

For Help to Buy that shiny new build, we’ll be here.

Book an appointment today

Help to Buy Mortgages from The Cambridge

That brand new home you’ve been dreaming of could be yours with one of our Help to Buy mortgages for first time buyers.

The Help to Buy Equity Loan has been designed to help first time buyers purchase new build properties where without the equity loan, it might be a little too expensive or just out of reach. We offer a range of Help to Buy mortgages designed specifically for people buying using a Help to Buy Equity Loan which includes the option to borrow up to 95% of the property’s value.

You’ll need a minimum deposit of 5% of the purchase price. The government will provide an additional 5 year interest-free loan of up to 20% of the purchase price to help increase your deposit. This will give you a total deposit of 25% - or more if you’re able to put in more than 5% yourself.

Take a look at our helpful guide for everything you need to know about the Help to Buy Equity Loan.

 

So what next?

If you'd like to see what mortgages we may be able to offer for your Help to Buy home, simply fill in your details below and you'll get a list of the products which may be suitable - look for those with Help to Buy in the title.

If you'd like to find out more about the process of applying for a mortgage check out our guides. If you'd like to discuss the options available then speak with our team on the phone, in branch or via live chat.

Or, if you're ready to discuss your next Help to Buy step, book an appointment today.

Which mortgage is right for you?

Results

2 Year Discounted Variable Rate Mortgage - Existing Mortgage Customers

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - 1% in year one; 1% in year two

2 Year Discounted Variable Rate Mortgage

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - There are no early repayment charges.

Interest Only 2 Year Discounted Variable Rate Mortgage

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - There are no early repayment charges

Help to Buy 2 Year Discounted Variable Rate Mortgage

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - There are no early repayment charges

2 Year Fixed Rate Mortgage

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - 3% in year one; 2% in year two.

Interest Only 2 Year Fixed Rate Mortgage

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - 3% in year one; 2% in year two

2 Year Fixed Rate Mortgage

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - 3% in year one; 2% in year two

2 Year Discounted Variable Rate Mortgage - Existing Mortgage Customers

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - There are no early repayment charges.

Help to Buy 2 Year Fixed Rate Mortgage

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - 3% in year one; 2% in year two.

2 Year Discounted Variable Rate Buy to Let Mortgage

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - There are no early repayment charges.

5 Year Fixed Rate Mortgage

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

Interest Only 5 Year Fixed Rate Mortgage

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five

Low Deposit 2 Year Discounted Variable Rate Mortgage - Existing Mortgage Customers

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - There are no early repayment charges. Product Switch fee £150

Help to Buy 5 Year Fixed Rate Mortgage

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - 5% in year one, 4% in year two, 3% in year three, 2% in year four, 1% in year five.

2 Year Fixed Rate Mortgage - Existing Mortgage Customers

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - 3% in year one; 2% in year two

5 Year Fixed Rate Mortgage

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

2 Year Discounted Variable Rate Mortgage

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - 1% in year one; 1% in year two

Low Deposit 2 Year Fixed Rate Mortgage - Existing Mortgage Customers

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - 3% in year one; 2% in year two. For product switches only, product switch fee - £150

Shared Ownership 2 Year Discounted Variable Rate Mortgage

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - There are no early repayment charges.

5 Year Fixed Rate Mortgage - Existing Mortgage Customers

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

5 Year Fixed Rate Buy to Let Mortgage

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five

3 Year Fixed Rate Buy to Let Mortgage - Existing Mortgage Customers

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - 3% in year one; 2% in year two; 1% in year three

Low Deposit 5 Year Fixed Rate Mortgage - Existing Mortgage Customers

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five. Product Switch fee - £150

Credit Assist Mortgage 2 Year Fixed Rate

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - 3% in year one; 2% in year two

Credit Assist Mortgage 3 Year Discounted Variable Rate

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - There are no early repayment charges

Shared Ownership 5 Year Fixed Rate Mortgage

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - 5% in year one; 4% in year two, 3% in year three, 2% in year four, 1% in year five.

Credit Assist Mortgage Extra - 3 Year Discounted Variable Rate

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - There are no early repayment charges

Credit Assist Mortgage Extra - 2 Year Fixed Rate

Initial
rate
Standard variable
rate, currently
Overall cost
for comparison
Max
LTV
Application
fee
Product switch
fee
Further advance
fee
Completion
fee

Early repayment charges - 3% in year one; 2% in year two

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

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