Affordable home ownership schemes

You can partly or fully repay the loan at any time. Otherwise, you will pay it off when you sell the property or when the main mortgage term ends.

Yes, you can pay off the equity loan any time after purchase completion of your property.

Yes, you can remortgage to us on a like for like basis and keep the same equity loan in place or we could help you to explore options for remortgaging and repaying the equity loan.

The Help to Buy: Equity Loan scheme in England closed to new applicants on 31 October 2022 and transactions ended legally on 31 March 2023. 

If you already have Help to Buy ISAs, you can both use them when buying together, as long as you both meet the rules.
The government bonus is paid per person, not per property.

If your purchase doesn’t go ahead, you don’t lose your savings. You can put the money back into an ISA and keep saving.

Here’s how to do it:

• Ask your solicitor for a Purchase Failure Notification (PFN) to confirm the sale didn’t complete
• Fill in a Help to Buy ISA Reinstatement Request form and send it back with that document

You may be able to utilise a 'Lifetime ISA' to help get a mortgage and buy your first home. These savings accounts are still available and offer a similar bonus benefit to Help to Buy: ISAs. These aren't accounts we currently offer at NatWest.

Learn more about Lifetime ISAs

NatWest is no longer taking part in the UK Government Mortgage Guarantee scheme. However, we are still offering 95% mortgages.

Find out about 95% mortgages

• With shared ownership, buyers take out a mortgage for a portion of a property and then pay rent on the remaining share.
• Over time, they can increase their percentage of ownership and generally, can eventually become the outright owner.
• All shared ownership homes are leasehold properties.
• We only offer Shared Ownership mortgages through brokers, so you’ll need one to help you apply.

Learn about shared ownership

• The First Homes scheme may help first time buyers to buy a home for 30% to 50% less than its market value as long as it’s their only or main residence.
• Find full eligibility on the gov.uk website, along with more information about how the scheme works. The First Homes scheme is available to first time buyers aged 18 or over.
• We don't currently offer mortgages on properties purchased via the First Homes scheme.

Find out more about the First Homes scheme and eligibility