Welcome to our Help to Buy mortgages

Help to Buy

If you are buying a new build home, and could benefit from a helping hand with your deposit, then the Help to Buy scheme could be right for you.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

A Help to Buy shared equity loan is available in England, Wales and Scotland to both first-time buyers and home movers, on new build homes, and enables you to obtain a mortgage with a deposit as little as 5%.

We’re pleased to announce the introduction of our select range of Help to Buy mortgages for applicants in England, Wales and Scotland.

Below are our options for Help to Buy mortgages:

Help to Buy
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Initial rate payable 2.17% Fixed until 30/11/2020
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.4% APRC
Early Repayment Charges 2% until 30 November 2019,
then
1% until 30 November 2020
Max LTV 75%
Mortgage fees Application:£0
Completion:£0

Includes a free standard valuation, £500 cashback
Find out more
The APRC is calculated based on the following: A repayment mortgage of £145,000 payable over 30 years 4 months initially on a rate fixed until 30/11/2020 at 2.17% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £543.67 and 339 monthly payments of £738.12 followed by a final payment of £282.49. The total amount payable would be £263,553.25 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.59% Fixed until 30/11/2020
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.5% APRC
Early Repayment Charges 2% until 30 November 2019,
then
1% until 30 November 2020
Max LTV 75%
Mortgage fees Application:£0
Completion:£0

Includes a free standard valuation, £1000 cashback
Find out more
The APRC is calculated based on the following: A repayment mortgage of £145,000 payable over 29 years 7 months initially on a rate fixed until 30/11/2020 at 2.59% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £584.64 and 330 monthly payments of £748.80 followed by a final payment of £312.63. The total amount payable would be £261,447.99 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.19% Fixed until 30/11/2020
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.4% APRC
Early Repayment Charges 2% until 30 November 2019,
then
1% until 30 November 2020
Max LTV 80%
Mortgage fees Application:£0
Completion:£0 Includes a free standard valuation.
Find out more
The APRC is calculated based on the following: A repayment mortgage of £140,000 payable over 29 years 10 months initially on a rate fixed until 30/11/2020 at 2.19% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £532.49 and 333 monthly payments of £718.05 followed by a final payment of £287.49. The total amount payable would be £252,177.90 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.29% Fixed until 30/11/2021
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.3% APRC
Early Repayment Charges 3% until 30 November 2019,
then
2% until 30 November 2020,
then
1% until 30 November 2021
Max LTV 75%
Mortgage fees Application:£0
Completion:£0

Includes a free standard valuation, £500 cashback
Find out more
The APRC is calculated based on the following: A repayment mortgage of £145,000 payable over 30 years 4 months initially on a rate fixed until 30/11/2021 at 2.29% and then our RMVR variable rate currently 4.74% for the remaining term would require 36 monthly payments of £552.53 and 327 monthly payments of £732.61 followed by a final payment of £307.20. The total amount payable would be £259,761.75 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.32% Fixed until 30/11/2021
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.3% APRC
Early Repayment Charges 3% until 30 November 2019,
then
2% until 30 November 2020,
then
1% until 30 November 2021
Max LTV 80%
Mortgage fees Application:£0
Completion:£0

Includes a free standard valuation.
Find out more
The APRC is calculated based on the following: A repayment mortgage of £140,000 payable over 29 years 10 months initially on a rate fixed until 30/11/2021 at 2.32% and then our RMVR variable rate currently 4.74% for the remaining term would require 36 monthly payments of £541.81 and 321 monthly payments of £712.77 followed by a final payment of £314.18. The total amount payable would be £248,618.51 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.48% Fixed until 30/11/2023
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.0% APRC
Early Repayment Charges 5% until 30 November 2019,
then
5% until 30 November 2020,
then
4% until 30 November 2021,
then
3% until 30 November 2022,
then
2% until 30 November 2023
Max LTV 75%
Mortgage fees Application:£0
Completion:£0

Includes a free standard valuation, £500 cashback
Find out more
The APRC is calculated based on the following: A repayment mortgage of £145,000 payable over 30 years 4 months initially on a rate fixed until 30/11/2023 at 2.48% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £566.78 and 303 monthly payments of £722.72 followed by a final payment of £352.49. The total amount payable would be £253,343.45 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.69% Fixed until 30/11/2023
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.1% APRC
Early Repayment Charges 5% until 30 November 2019,
then
5% until 30 November 2020,
then
4% until 30 November 2021,
then
3% until 30 November 2022,
then
2% until 30 November 2023
Max LTV 75%
Mortgage fees Application:£0
Completion:£0

Includes a free standard valuation, £1000 cashback
Find out more
The APRC is calculated based on the following: A repayment mortgage of £145,000 payable over 29 years 7 months initially on a rate fixed until 30/11/2023 at 2.69% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £592.27 and 294 monthly payments of £733.57 followed by a final payment of £374.68. The total amount payable would be £251,580.46 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.49% Fixed until 30/11/2023
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.0% APRC
Early Repayment Charges 5% until 30 November 2019,
then
5% until 30 November 2020,
then
4% until 30 November 2021,
then
3% until 30 November 2022,
then
2% until 30 November 2023
Max LTV 80%
Mortgage fees Application:£0
Completion:£0 Includes a free standard valuation.
Find out more
The APRC is calculated based on the following: A repayment mortgage of £140,000 payable over 29 years 10 months initially on a rate fixed until 30/11/2023 at 2.49% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £554.00 and 297 monthly payments of £703.01 followed by a final payment of £351.28. The total amount payable would be £242,385.25 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
Product name Initial rate payable Changing to The overall cost for comparison is Early Repayment Charges Max LTV Mortgage fees  
2 Year Fixed Rate Help to Buy Purchase No fee 2.17% Fixed until 30/11/2020 4.74%
our current RMVR a variable rate for the remainder of the term
4.4% APRC 2% until 30 November 2019,
then
1% until 30 November 2020
75% Application:£0
Completion:£0

Includes a free standard valuation, £500 cashback
Find out more
The APRC is calculated based on the following: A repayment mortgage of £145,000 payable over 30 years 4 months initially on a rate fixed until 30/11/2020 at 2.17% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £543.67 and 339 monthly payments of £738.12 followed by a final payment of £282.49. The total amount payable would be £263,553.25 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
2 Year Fixed Rate Help to Buy Remortgage No fee 2.59% Fixed until 30/11/2020 4.74%
our current RMVR a variable rate for the remainder of the term
4.5% APRC 2% until 30 November 2019,
then
1% until 30 November 2020
75% Application:£0
Completion:£0

Includes a free standard valuation, £1000 cashback
Find out more
The APRC is calculated based on the following: A repayment mortgage of £145,000 payable over 29 years 7 months initially on a rate fixed until 30/11/2020 at 2.59% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £584.64 and 330 monthly payments of £748.80 followed by a final payment of £312.63. The total amount payable would be £261,447.99 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
2 Year Fixed Rate Help to Buy Purchase No fee 2.19% Fixed until 30/11/2020 4.74%
our current RMVR a variable rate for the remainder of the term
4.4% APRC 2% until 30 November 2019,
then
1% until 30 November 2020
80% Application:£0
Completion:£0 Includes a free standard valuation.
Find out more
The APRC is calculated based on the following: A repayment mortgage of £140,000 payable over 29 years 10 months initially on a rate fixed until 30/11/2020 at 2.19% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £532.49 and 333 monthly payments of £718.05 followed by a final payment of £287.49. The total amount payable would be £252,177.90 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
3 Year Fixed Rate Help to Buy No Fee for Purchase 2.29% Fixed until 30/11/2021 4.74%
our current RMVR a variable rate for the remainder of the term
4.3% APRC 3% until 30 November 2019,
then
2% until 30 November 2020,
then
1% until 30 November 2021
75% Application:£0
Completion:£0

Includes a free standard valuation, £500 cashback
Find out more
The APRC is calculated based on the following: A repayment mortgage of £145,000 payable over 30 years 4 months initially on a rate fixed until 30/11/2021 at 2.29% and then our RMVR variable rate currently 4.74% for the remaining term would require 36 monthly payments of £552.53 and 327 monthly payments of £732.61 followed by a final payment of £307.20. The total amount payable would be £259,761.75 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
3 Year Fixed Rate Help to Buy No Fee for Purchase 2.32% Fixed until 30/11/2021 4.74%
our current RMVR a variable rate for the remainder of the term
4.3% APRC 3% until 30 November 2019,
then
2% until 30 November 2020,
then
1% until 30 November 2021
80% Application:£0
Completion:£0

Includes a free standard valuation.
Find out more
The APRC is calculated based on the following: A repayment mortgage of £140,000 payable over 29 years 10 months initially on a rate fixed until 30/11/2021 at 2.32% and then our RMVR variable rate currently 4.74% for the remaining term would require 36 monthly payments of £541.81 and 321 monthly payments of £712.77 followed by a final payment of £314.18. The total amount payable would be £248,618.51 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
5 Year Fixed Rate Help to Buy Purchase No fee 2.48% Fixed until 30/11/2023 4.74%
our current RMVR a variable rate for the remainder of the term
4.0% APRC 5% until 30 November 2019,
then
5% until 30 November 2020,
then
4% until 30 November 2021,
then
3% until 30 November 2022,
then
2% until 30 November 2023
75% Application:£0
Completion:£0

Includes a free standard valuation, £500 cashback
Find out more
The APRC is calculated based on the following: A repayment mortgage of £145,000 payable over 30 years 4 months initially on a rate fixed until 30/11/2023 at 2.48% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £566.78 and 303 monthly payments of £722.72 followed by a final payment of £352.49. The total amount payable would be £253,343.45 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
5 Year Fixed Rate Help to Buy Remortgage No fee 2.69% Fixed until 30/11/2023 4.74%
our current RMVR a variable rate for the remainder of the term
4.1% APRC 5% until 30 November 2019,
then
5% until 30 November 2020,
then
4% until 30 November 2021,
then
3% until 30 November 2022,
then
2% until 30 November 2023
75% Application:£0
Completion:£0

Includes a free standard valuation, £1000 cashback
Find out more
The APRC is calculated based on the following: A repayment mortgage of £145,000 payable over 29 years 7 months initially on a rate fixed until 30/11/2023 at 2.69% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £592.27 and 294 monthly payments of £733.57 followed by a final payment of £374.68. The total amount payable would be £251,580.46 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
5 Year Fixed Rate Help to Buy Purchase No fee 2.49% Fixed until 30/11/2023 4.74%
our current RMVR a variable rate for the remainder of the term
4.0% APRC 5% until 30 November 2019,
then
5% until 30 November 2020,
then
4% until 30 November 2021,
then
3% until 30 November 2022,
then
2% until 30 November 2023
80% Application:£0
Completion:£0 Includes a free standard valuation.
Find out more
The APRC is calculated based on the following: A repayment mortgage of £140,000 payable over 29 years 10 months initially on a rate fixed until 30/11/2023 at 2.49% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £554.00 and 297 monthly payments of £703.01 followed by a final payment of £351.28. The total amount payable would be £242,385.25 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.

Once the fixed, discount or tracker period of the mortgage ends it will change to the Residential Mortgage Variable Rate (RMVR) or if you have a Buy to Let Mortgage, the Buy to Let Variable Rate (BMVR), which is a different interest rate to the Society's Residential Standard Variable Rate (RSVR), although both are set by the Society. For further details see our Skipton Variable Rates page.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
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