Help to Buy mortgage guarantee scheme

The Help to Buy mortgage guarantee scheme closed to new loans on 31 December 2016. The information on this page is for people who already have a mortgage through the Help to Buy scheme.

Change of circumstances

If your circumstances change, you should contact your lender as explained in the terms and conditions of the mortgage.

Mortgage payments

Under the scheme, the borrower is responsible for paying the mortgage. The scheme doesn't guarantee your payments. The guarantee protects the lender against any losses. 

Problems paying your mortgage

If you don't make payments on a Help to Buy supported mortgage, you could lose your home.

If you're finding it difficult to pay your mortgage, you should contact your lender immediately. Your lender can give you advice. 

Forebearance agreement

If you're behind with your mortgage payments, the lender may arrange a forebearance agreement with you. This agreement allows you to repay any missed payments.

Repossessing your home

The mortgage lender can take action to repossess your home. 

More information about your mortgage

To get more information about your Help to Buy mortgage guarantee, contact your mortgage lender. 

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