The "Help to Buy" brand historically encompassed two distinct financial mechanisms designed to bridge the "deposit gap" for buyers:
A permanent Mortgage Guarantee Scheme (often referred to as "Freedom to Buy" ) was launched in July 2025. It continues to support 95% mortgages for both new and existing homes up to £600,000. ⚖️ Impact and Critical Analysis help to buy mortgage
The original Equity Loan schemes are closed to new applicants. The "Help to Buy" brand historically encompassed two