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.


Featured products

Fixed Rate Mortgages

2 Year Fixed Rate Mortgage (70% LTV)


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3 Year Fixed Rate Mortgage (70% LTV)


Fixed Rate Mortgages

5 Year Fixed Rate Mortgage (70% LTV)
  • 5.0/5 (1 reviews)


Latest Rating and Reviews

5 Year Fixed Rate Mortgage (70% LTV)

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

2 Year Fixed Rate Mortgage (80% LTV)

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

2 Year Fixed Rate Mortgage (75% LTV)

product was suitable for my circumstances

The product suited my needs but it was the time scale that was the problem, the whole mortgage took over 6 months to arrange which was very fustrating. However we got there in the end after alot of phone calls.

6th June 2014 mustI42

2 Year Fixed Rate Mortgage (75% LTV)

Good product and a wonderfully accommodating broker

.........but the painfully slow and dis-jointed underwriting process almost lost me the property I was buying. Would use Aldermore again though.

5th June 2014 sussexman

3 Year Fixed Rate Mortgage (75% LTV)

Better by far than my high street bank

Their phone-only service worked better than sitting across a table in our high street bank. Aldermore are clear and precise about their business model for the smaller landlord and salesperson Delyth was a pleasure to deal with: friendly and well-informed. Time will tell as the mortgages are new but they seem to be my kind of people. A minor wrinkle was that the remortgage lawyers they obliged us to use were not the best.

23rd May 2014 Martiellois