Free Tool
Help to Buy Equity Calculator
Calculate your equity loan repayment, fees, and total costs based on current property value.
Enter Your Details
£
£
years
Your Equity Loan
Equity Loan Repayment£0
Original Loan£0
Current Value of Loan£0
Equity Gained/Lost£0
Annual Fee Now£0
About Help to Buy
The scheme closed to new applications in March 2023. Repayment is based on current market value, not the original price. You can make partial repayments (min 10% of current value) to reduce your loan.
Detailed Equity Loan Insights
Your Equity Loan at a Glance
Fee Forecast — Next 10 Years
Fees rise each year after year 5. See what you can expect to pay annually.
Repay Now vs Wait
Compare repaying now versus waiting. Assumes 3% annual property growth.
What If Your Property Value Changes?
See how property value changes affect your repayment amount.
Partial Repayment Impact
Pay off a minimum of 10% of your property's current value to reduce your loan and future fees.
Key Things to Know
Thinking of Selling & Buying New?
Browse new build homes in your price range.
Plan Your Next Move
Use our free tools to plan your finances when you're ready to move on.