When you bought your property you would have an equity loan, these have had various names over the decades from first time buyer initiative to help to buy, most associated with buying new.

We have helped both existing and new customers repay there share either via re-mortgaging, further advance or stage payments and we would be delighted to help you or advise you on the very next steps

We have put together three options for you.


The one stop shop, we can put you in contact with our recommended partners – the surveyors – esurv who have a fixed fee scale and Caroline at Setfords solicitors, a team that has experience in meeting yours and Homes Englands objectives. Mortgage arrangements  will be arranged by us here at MTGE UK 



Flying solo, this is where you choose your own solicitor and surveyor but any finance or borrowing will be arranged via MTGE UK.

Please remember fees will be payable to your solicitor and surveyor.

It would be worth checking prior to instructing your solicitor and valuer whether they experience in such matters.

Repaying Help To Buy and or Equity Loan

If you are an owner of a property which you used a Help-to-Buy Equity Government loan or similar to purchase we may be able to help buy out the remaining share

Get in touch

Follow these 10 steps to repay your help-to-buy loan

1. You contact us and we send you an enquiry form

2. Application assessed (if we are able to help we progress to the next stage (an unsuccessful applicant could maybe be seen as a pit stop or false start?)

3. AIP Processed

4. We/You complete a Homes England application and email it to us. We check and send it to the Homes England agency for you

5. We/You arrange your RICS valuation

6. Homes England authorise your application

7. Solicitors to proceed with the conveyancing

8. We find the best lender suited to your needs

9. We keep you informed every step of the way by phone call and emails so you are aware of any advised changes to your lender for you to be able to pay off your government equity loan where possible in full.

10. We discuss with you the best way to protect your mortgage with our in house Mortgage Protection system

The UK government has introduced various equity loan schemes over the years to assist home buyers, especially first-time buyers, in purchasing property. These schemes have evolved, with some being replaced or phased out over time. Below is a list of key government equity loan schemes, starting from the First Time Buyers Initiative (FTBI) to the more recent iterations of Help to Buy (HTB):

Each of these schemes has had specific criteria and terms, including the percentage of the loan, the interest-free period, and repayment conditions. The availability of these schemes has varied over time and by region.

Please note: help to buy is now closed in England but still available in Wales

“The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.”

Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority
Registered address: 4 Digswell Park Cottages, Digswell Park Road, Welwyn Garden City, AL8 7NN
Partners – Roger Phillips & Neil Leonard.


MTGE UK is a trading name of MTGE Partnership LLP who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Limited. First Complete Limited is authorised and regulated by the Financial Conduct Authority’
England and Wales registered number OC431092

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