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Help to Buy Mortgages from the Melton

At the Melton, we lend on Help to Buy properties throughout England and Wales for both purchase and remortgage including staircasing.

The Help to Buy Equity Loan scheme enables borrowers to buy a new build property through a registered developer up to 75% loan to value (55% in London), with a minimum 5% deposit from their own resources and the remainder provided by the government in the form of an equity loan. The equity loan is interest free for the first 5 years, at which point interest becomes payable.

The scheme is administered by local HomeBuy Agents who assess and approve all applications.

The Melton’s Criteria

Applicants must meet the following minimum criteria for Help to Buy with the Melton:

  • First time buyers only for new purchases
  • Repayment only – maximum term of 40 years
  • Freehold property only
  • Authority to Proceed (ATP) granted by Help to Buy agent
  • Maximum 75% LTV (55% in London)
  • Maximum purchase price £600k (£300k in Wales)


Our affordability calculator factors in 3% of the equity loan as an expense.

Help to Buy Remortgages

We can consider Help to Buy remortgage applications in the following scenarios:

  • Equity loan remortgage – where the full equity loan will remain in situ, subject to a maximum loan to value of 75% (55% in London)
  • Capital raising remortgage – only when staircasing to pay off part of the equity loan, where a minimum of 10% of the property value will be repaid and subject to a maximum loan to value of 75% (55% in London)
  • Remortgage and fully repay equity loan – in line with our standard criteria as this is no longer considered a Help to Buy mortgage

Important Information – All remortgage applications must be approved by your client’s Help to Buy agent before they can proceed.

How to Submit Business

Once you have assessed affordability using our affordability calculator, you can submit your application through our online application system. You can find details of our current Help to Buy product range in our Intermediary Product Guide.

Before you Apply

Your client(s) must be in receipt of the Authority to Proceed (ATP) document from their local Help to Buy agent before you submit an application to us.

Product Guide

Our current range of mortgage products available for download in PDF format.

Download product guide

Lending Criteria

Guidelines designed to give general guidance to mortgage brokers on the Melton’s lending criteria.

View Lending Criteria

Literature & Useful Info

View our range of helpful guides and literature.

Find out more


Search our FAQs for any questions you may have.

Search our FAQ’s