Instead of lending money directly to the buyer, the government provided a financial guarantee to lenders. This encouraged banks to offer 95% Loan-to-Value (LTV) mortgages, which had largely disappeared after the 2008 financial crisis. 📉 Current Status in 2026

The "Help to Buy" brand historically encompassed two distinct financial mechanisms designed to bridge the "deposit gap" for buyers:

The availability of these schemes varies significantly by region: