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Equity Loan Mortgage Calculator

Whether you’re a first time buyer or already on the property ladder, you could buy a new home with just a 5% deposit.

Here’s how Help to Buy Equity Loan works

  • Available to both first time buyers and existing homeowners
  • You only need a minimum 5% deposit to qualify
  • The Government will lend you up to 20% of the value of your property through an equity loan.
  • You only need to secure up to a 75% mortgage from a bank or building society
  • There is a maximum home purchase price of £600,000 in England and £300,000 in Wales.
Mortgage Breakdown



House Price





Min (5% of house price)5%


Max (30% of house price)5%

Interest Rate





Min25 Years

30 Years

Max35 Years

This calculator is provided to give you basic guidance only. Anwyl does not provide advice on mortgages. Please speak to our sales team who will be able to pass you the details of Independent financial advisers.

With Help to Buy

There are additional monthly costs associated with Help to Buy including monthly interest from year 5 and the whole debt must be repaid after 25 years. The figures shown represent typical initial monthly costs only and should not be relied upon in deciding if you can proceed. Anwyl recommends that you obtain an assessment of eligibility and affordability via our nominated independent financial advisers, 75point3, before you apply for a mortgage.

Your deposit £15,000 10%
Help to Buy Loan £59,978 20%
Your mortgage £224,914 75%
Monthly Payment £100,000  

Without Help to Buy

Your deposit £15,000 10%
Your mortgage £224,914 75%
Monthly Payment £100,000  

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