Help to Buy

Need help on the property ladder? Helping those who can afford to repay a mortgage but don't have a large deposit.
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We support the Government's Help to Buy: Mortgage Guarantee scheme which means we can provide you with up to a 95% Mortgage, for all kinds of buyers.

Key benefits of choosing Aldermore

Aldermore supports the Government's Help to Buy: mortgage guarantee scheme, which enables participating lenders to purchase a guarantee, enabling us to provide mortgages up to 95% loan to value.

The scheme aims to help both first time buyers and home movers who have deposits of at least 5% to buy a property in the UK.

So, if you can afford to repay a mortgage but don't have a large deposit, this scheme could be the answer. It gives you access to higher loan to value lending, meaning you won't have to wait and save up for a large deposit to buy or move home.

To be eligible for the Help to Buy: mortgage guarantee scheme:

  • it must be your main residence and only dwelling (you will not be intending to rent it out);
  • you cannot have an interest in any other property, anywhere in the world;
  • the mortgage must be taken out on repayment (not interest only); and
  • the maximum loan size is £400,000

The scheme does not guarantee your mortgage payments. You are responsible for paying your mortgage under this scheme in exactly the same way as any other mortgage. The benefit to you is that it may enable you to get a mortgage to buy your home with a lower deposit.

A range of our fixed rate mortgage products are available under the Help to Buy: mortgage guarantee scheme for mortgages between 85% and 95% of the property value or purchase price.

For more details speak to one of our qualified mortgage advisors or go to the Help to Buy Scheme website.


Latest Rating and Reviews

Fixed Rate Mortgages

Exceptional Customer Service

I discovered Aldermore by chance and was pleased to discover that they accept direct customers. I had been attempting to use a broker who was well below par, when Aldermore advised I could apply in person. The customer service and support was exceptional, I cannot fault the staff in any way and found them to be both professional and highly responsive. The process of obtaining a mortgage can be somewhat stressful, however the advisor I worked with responded to my emails quickly and effectively. Where small issues arose, these were communicated to me and resolved together. I feel that the advisor I worked with went above and beyond my expectations. I have moved in and will recommend Aldermore to friends and family for sure.

16th March 2015 Tash1975

Fixed Rate Mortgages


Easy a eating your tea only thing you have to do is chose what your after then boom it's done would recommend aldermore to anybody everytime so easy

5th February 2015 Fletch1807

Fixed Rate Mortgages

It suited my needs

I had excellent service from my advisor Hayley Jones. Nothing was too much trouble. When there was an issue it got resolved very quickly.

24th October 2014 Bod11

Fixed Rate Mortgages

The Best Solution for My Mortgage

HI I just want to thank you for considering my case and I should say that the service provided was excellent. The Mortgage Advisor was very helpful and explained me the confusing process of taking a mortgage very readily. Thanks Aldermore

6th October 2014 DEEE78

Fixed Rate Mortgages

Right product for at the time of need

Just like to say a great thank you to Aldermore for the help and support in taking my buy to let portfolio foward , Anita and Cathy are a great asset to the bank with brilliant product knowledge , thank you all .

22nd May 2014 Singh12