Help to Buy Equity Loan Calculator 2026
Find out exactly how much you owe on your Help to Buy equity loan based on today’s property value. Includes your original loan, current repayment amount, equity share, and management fee from year 6.
Help to Buy Equity Loan Calculator
Repayment is calculated on current market value, not the original loan amount.
Amount to repay today (20% of current value)
£60,000
Breakdown
- Original loan borrowed
- £50,000
- Amount to repay today
- £60,000
- Extra cost vs original loan
- +£10,000
- Your equity share after repayment
- £240,000
This calculator provides estimates only. Actual repayment figures will be determined by a RICS-accredited surveyor valuation at the time of repayment. Consult your equity loan administrator for precise figures.
How Help to Buy equity loan repayment works
The critical feature of the Help to Buy equity loan — and the one that catches many borrowers off-guard — is that repayment is based on the current market value of the property, not the original amount borrowed. This means if your home has increased in value, the government effectively shares in those gains.
The loan was interest-free for the first 5 years. From year 6, a management fee of 1.75% of the original loan amount per annum applies, rising annually by RPI+1%. This fee does not reduce your equity loan balance — it is purely a service charge.
Help to Buy equity loan percentages
| Region | Equity loan % | Property price cap (at time of scheme) |
|---|---|---|
| England (outside London) | Up to 20% | Regional caps (£186,100–£437,600) |
| London | Up to 40% | £600,000 |
Frequently asked questions
- How is a Help to Buy equity loan repaid?
- The equity loan is repaid as a percentage of the current market value of your property — not as a fixed sum. For example, if you borrowed a 20% equity loan on a £200,000 home and the property is now worth £280,000, you owe 20% of £280,000 (£56,000), not 20% of £200,000 (£40,000). A RICS-accredited surveyor must value the property at the time of repayment.
- When do I need to repay the Help to Buy equity loan?
- The equity loan must be repaid when you sell the property, at the end of the mortgage term (typically 25 years), or earlier if you choose. You can also make voluntary partial repayments (called staircasing) at any time, subject to a minimum tranche of 10% of the current property value.
- Can I make a partial repayment on my Help to Buy loan?
- Yes. You can repay the equity loan in minimum tranches of 10% of the current market value of your home. For example, if your home is worth £300,000, the minimum partial repayment would be £30,000. Each partial repayment requires a RICS valuation and must be arranged with your equity loan administrator.
- What is the Help to Buy management fee?
- From the sixth year after your equity loan was taken out, a monthly management fee of 1.75% of the original equity loan amount per year (divided by 12) becomes payable. This fee increases each April by the Retail Price Index (RPI) plus 1 percentage point. The management fee is in addition to any interest payments on your repayment mortgage and does not reduce the equity loan balance.
- Is Help to Buy still available?
- The Help to Buy: Equity Loan scheme in England closed to new applicants on 31 March 2023. The scheme is now fully closed. However, existing borrowers still hold their equity loans and must manage, service, and eventually repay them. Scotland, Wales, and Northern Ireland had separate schemes with different closure dates.
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- New build snagging calculator — Estimate defects and rectification costs on a new build
- Sold house prices — Search HM Land Registry price paid data to estimate your current value