Definitive guides to every aspect of your Help to Buy equity loan. Plain English, worked examples, real numbers.
How Help to Buy interest is calculated, why it escalates every year after year 5, and what early borrowers are paying right now. With worked examples using real numbers.
Step-by-step guide to remortgaging with a Help to Buy equity loan. Timeline, costs, lender limitations, and how to navigate Lenvi.
Worked examples showing when staircasing your Help to Buy equity loan makes financial sense — and when it doesn't.
Your equity loan is a percentage of your property's current value, not a fixed amount. Here's how to calculate what you actually owe.
How selling works with a Help to Buy equity loan. Redemption from sale proceeds, RICS valuation requirements, timeline, and costs.
Current RPI and CPI figures, what they mean for your Help to Buy interest rate in 2026, and worked examples for borrowers hitting year 6 this year.
Labour is reportedly reviewing a new Help to Buy scheme. We cover what the February 2026 reports say, why new-build sales collapsed, what a new scheme might look like, and what it means for existing holders.
Year-by-year breakdown of Help to Buy interest with worked examples on £40k, £60k and £80k loans. See the compounding escalation clearly, compare to mortgage costs, and understand why acting early saves thousands.
Worried you're trapped with your Help to Buy equity loan? This guide explains the 25-year term, what really happens at the end, all your options (remortgage, staircase, sell, keep paying), and how to get help from Lenvi.
When you need a RICS valuation for Help to Buy (selling, staircasing, remortgaging), how much it costs (£300–600), how to find a surveyor, what affects the figure, and the timeline from booking to completion.
The most contested question in Help to Buy forums — honestly answered. Both sides of the debate with worked examples, a 10-year comparison table, and a timeline-based verdict.
The insider details most guides skip: the 3-month expiry runs from the report date (not submission), the free extension letter your surveyor can write, cost variation of £300–600, and real examples of what goes wrong.
You borrowed a percentage of your purchase price, but you repay a percentage of current value. Worked examples at 0%, 2%, 5% and 10% growth, regional differences (London's 40% loans), and the new build premium effect.
The contrarian view: H2B at 1.75% is the cheapest money you'll ever borrow. A year-by-year table showing when the spread collapses, the non-financial costs people ignore, and why it's a valid short-term strategy but a terrible long-term one.