HELP TO BUY REPAYMENT
Repay your Help to Buy loan, the easy way
Interest on your equity loan starts in year six and goes up every April. We can arrange your new mortgage, line up a RICS valuation and a specialist solicitor through our trusted partners, and help with the Help to Buy paperwork, so you can stop paying it.
See your costs on screen in under a minute, or talk it all through with an adviser.
Beat the rising interest
Help to Buy interest goes up every year until the loan is repaid. Repay in full and it stops.
One adviser, start to finish
Your adviser handles your mortgage and keeps the valuer and solicitor on track, so nothing slips.
£0 mortgage advice fee
We don’t charge you a fee for mortgage advice. We’re paid commission by the lender if you take out a mortgage through us. Valuation and solicitor fees are separate, and you see them upfront.
Your Help to Buy loan costs more every year
The equity loan was interest-free for five years. After that you pay interest every month until it’s repaid. And you repay a share of what your home is worth now, not what you borrowed.
- Year 6: interest starts at 1.75% of the amount you borrowed, paid monthly.
- Every April after: the rate rises by RPI + 1% for loans taken 2013–2021, or CPI + 2% for loans taken 2021–2023. It rises even when inflation is zero.
- Paying interest doesn’t reduce the loan. You still owe the full amount until you repay it.
- If your home has gone up in value, so has your loan. Borrowed 20%? You repay 20% of today’s value.
Quick Help to Buy calculator
See roughly what you'd repay today, and what the interest costs.
An illustration only. What you repay is set by a RICS valuation, and the interest rate rises every April.
Go through my numbers with an adviserWHAT YOU'LL NEED
Four different components and one adviser keeping them on track
We give the mortgage advice ourselves. The valuation and the legal work are done by independent specialists we’ve chosen and trust, and we coordinate them for you.
You are under no obligation to use our recommended surveyor or solicitor. Your decision will not affect the mortgage advice or Help to Buy Repayment service.
DONE BY: DUPREE & CO
Mortgage advice
Remortgage to a new lender or borrow more from your current one. We search the market, recommend the right deal and handle the application.
£0 advice fee We’re paid commission by the lender if you take out a mortgage through us.
DONE BY: E.SURV CHARTERED SURVEYORS
RICS valuation
Help to Buy needs a valuation from a RICS surveyor to set what you repay. It’s valid for 3 months, so we time it carefully.
£299 up to £500,000
£399 over £500,000 · inc. VAT
DONE BY: THREEMO SOLICITORS
Solicitor
Specialist conveyancers who handle the legal side, repay the loan and take the Help to Buy charge off your title. Rated 5.0 on Trustpilot from over 2,300 reviews.
£499 further advance or savings
£599 full remortgage · inc. VAT
DONE BY: YOU, WITH OUR HELP
Help to Buy administration
There’s some paperwork to send to your Help to Buy administrator. We’ll show you what’s needed and help you get it right.
£0–£200 admin fee The fee varies depending on which Help to Buy scheme applies to you. In England, the current Homes England administration fee for a full or part repayment is £200.
Don't get caught by the 3-month clock
Your RICS valuation only lasts 3 months. If it runs out before everything completes, you may need to pay for an extension. So we agree your mortgage plan first, then book the valuation and instruct the solicitor when everything is ready to move, and we chase each step.
Valuation services are provided by e.surv Chartered Surveyors and legal services by Threemo Legal Services Limited, our selected partners. Neither Dupree & Co nor PRIMIS Mortgage Network is responsible for the service they provide.
Own 100% of your home
There’s more than one way to repay. Your adviser will look at your numbers and tell you which one makes sense.
HOW IT WORKS
From first chat to owning 100%, in five steps
You’ll always know what’s happening, who’s doing it and what’s next.
Tell us about your loan
Build your quote online or book a chat. A few details about your home and your loan is all we need to start.
We find your best option
Your adviser goes through your options with you, searches the market for the right deal and explains it clearly before you decide.
Solicitor and valuer instructed
We instruct your solicitor, whose details go on your mortgage application, and book your RICS valuation at the right moment.
We apply for your mortgage
We submit your application, answer the lender’s questions and keep you updated until the lender makes its decision.
Paperwork done, loan repaid
We help with the Help to Buy forms. Your solicitor repays the loan and the charge comes off your title.
The result: you own 100% of your home, with no more Help to Buy interest. Not everyone will be in the financial position to repay their Help to Buy loan. If you aren’t, we’ll talk you through your options.
YOUR QUOTE
Build your Help to Buy repayment quote
Tick what you need and see your estimated costs straight away. We’ll email you a copy with a link to book your appointment.
1. What would you like us to arrange?
You are under no obligation to use our recommended surveyor or solicitor. Your decision will not affect the mortgage advice or Help to Buy Repayment service. Using your own? Just leave it unticked.
2. Your quote
Tick at least one service to see your quote.
Plus a Help to Buy admin fee of £0–£200, depending on your scheme (£200 in England). We don't charge a fee for mortgage advice; we're paid commission by the lender. Valuation is paid to e.surv when booked; solicitor fees are paid to Threemo.
Solicitor fees can go up. This happens most often where a property management company is involved and the original terms of the agreement are no longer acceptable to lenders. That needs extra legal work that isn't in this quote.
Your lender may charge a fee too. If you're remortgaging or taking a further advance, the mortgage lender may charge a product fee. This varies by lender and product.
Book an appointmentEmail me this quote
We’ll send your quote and a link to book your appointment. Your details go to our team so an adviser can help.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Rather talk it through?
Book an appointment with an adviser at a time that suits you. We’ll go through your loan, your options and your costs, with no obligation.
or call 01452 947 630
Our happy customers
4.9 from 71 Google reviews · 377 reviews on Trustpilot
“Excellent communication, extremely friendly and helpful”
“Such a great experience with people who genuinely care to help as much as possible”
“Matt went above and beyond. He's amazing. He's available all the time and keeps everyone informed. I can't thank him enough for what he's done for us”
“Amelie, thank you so much for all of your help here, you're literally a life saver. Thanks again for taking the time to explain everything in so much detail, I really appreciate it.”
“Samantha was very helpful in every way. Happy for me to contact her any time if I needed help with anything”
“I have used Samantha Neyland twice now and I have zero idea what I have to do with any mortgage application. Sam dealt with everything on both occasions and made is so simple.”
“Perfect Service. Angela is good and communicated clearly”
“Tim was great to work with. He is easy to contact, got us a great deal, and got it all done really quickly.”
“Keith is honestly incredible. He goes above and beyond for everything and will always pick up the phone to help me. He will explain everything until I fully understand and tailor everything to me. Can't recommend Keith enough.”
“Pete is very personable and professional. I'm grateful for the time he takes to understand my financial situation and tailors my requirements accordingly”
Repaying Help to Buy: your questions
When does Help to Buy interest start?
On the fifth anniversary of your loan, the start of year six. It begins at 1.75% of the amount you borrowed and rises every April. You also pay a £1 monthly management fee.
How much will I have to repay?
The same share of your home’s value as you borrowed. If you borrowed 20% and your home is now worth £300,000, you repay £60,000.
Do I need a valuation?
Yes. Help to Buy needs a valuation from a RICS-registered surveyor. It’s valid for 3 months, which is why we time it to fit your mortgage and legal work. Through our partner e.surv it costs £299 for homes up to £500,000 and £399 above that, including VAT.
Can I arrange my own valuation and still use your service?
Yes. It needs to be from a RICS-registered valuer, meet Help to Buy’s requirements and still be in date.
Can I use my own solicitor and still use your service?
Yes. Your solicitor will need to be able to act for your mortgage lender and handle a Help to Buy repayment. Their fees are set by them, and we’ll need their details for your mortgage application.
Is there a fee to repay Help to Buy?
There may be an admin fee of £0–£200. The fee varies depending on which Help to Buy scheme applies to you. In England, the current Homes England administration fee for a full or part repayment is £200. It’s paid to them, not to us, and we’ll tell you what applies to you.
Do you charge for mortgage advice?
We don’t charge you a fee for mortgage advice. We’re paid commission by the lender if you take out a mortgage through us. The valuation and solicitor fees are separate, are paid to our partners and are shown in your quote before you go ahead.
Can I repay just part of my loan?
Yes. Each part repayment must be at least 10% of your home’s value. We’ll tell you whether that or repaying in full suits you better.
I bought with Help to Buy Wales. Can you help?
Yes. The Welsh scheme has its own process, and your adviser will talk you through it.
Relax. We've got this.
One friendly adviser, trusted partners, and your Help to Buy loan sorted.
Dupree & Co is a trading style of Gerry Dupree & Company Ltd who are an appointed representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd, is authorised and regulated by the Financial Conduct Authority.
Gerry Dupree & Company Ltd is registered in England at B5 Kestrel Court, Waterwells Drive, Quedgeley, Gloucester, GL2 2AT. Registration Number – 04289129.
We do not charge a fee for mortgage advice on Help to Buy repayments. We are paid commission by the lender if you take out a mortgage through us. Valuation and legal fees are charged by our partners and are shown before you proceed.