Submit a Help to Buy Remortgage Application - How to

  1. Find the right products

    Our Help to Buy remortgage products will be listed on Trigold, Mortgage Brain and Twenty7Tec. You can also take a look at our products page. When selecting a product, make sure you look for those labelled ‘Help to Buy’.

  2. Submitting a Help to Buy application

    On the initial page of your Decision in Principle titled ‘Loan Details’, there will not be a Help to Buy option once you have selected ‘remortgage’ as the loan purpose.

    Therefore, to let us know you are submitting a Help to Buy decision in principle, select ‘Outstanding mortgage – Help to Buy’ under the ‘Loan Breakdown’ section.  

    Please note, we can only consider Decision in Principle’s with the same remaining term as your client's existing Help to Buy Loan.

  3. Confirming the Equity Loan

    The Help to Buy Equity Loan needs to be declared under the ‘Credit Commitments’ page, with the Help to Buy agent correctly titled under the ‘Lender’ box provided.

    You will need to include the monthly payment of the equity loan, which should be stressed at 1.75%.

  4. Complete your submission

    On the final page of your Decision in Principle, you will have the option to leave notes. Please confirm this is a Help to Buy application and provide any supporting information, before saving.

    Once you have fully submitted your DIP, our underwriters will manually review the case within the agreed service level. If approved, you will receive confirmation via e-mail. You can then proceed to full mortgage application.