Help to Buy Repayment Can
Be Costly and Confusing
Your Help to Buy loan may have seemed like a great deal when you first bought your home, but now the reality is setting in:
Interest Charges Are Rising
After five years, you start paying interest, and it increases every April. The longer you wait, the more expensive it becomes.
Your Repayment Amount Has Changed
Because your loan is based on a percentage of your home’s value, if your property price has risen, so has your repayment amount.
Remortgaging Isn’t Always Straightforward
You need to find a lender that will allow you to borrow enough to repay the loan while still offering a competitive mortgage rate.
Dealing with Homes England Can Be Frustrating
The paperwork, the valuations, the back-and-forth—it all adds extra stress.
Making the Wrong Move Could Cost You More
Whether you repay in full, remortgage, or make partial payments, you need a strategy that ensures you’re not overpaying.
We Make Repaying Your
Help to Buy Loan Simple
At Chetwood Lloyd Mortgages, we take the stress out of your Help to Buy repayment. Here’s how we help:
We Find the Best Remortgage Deals
We're independent, whole-of-market advisors, so we'll compare lenders to find you the most affordable way to clear your loan.
We Guide You Through Every Step
You don’t have to figure it out alone. We explain your options in plain English and help you make the right choice.
We Handle the Homes England or HTB Wales Process for You
From paperwork to valuations, we support you in dealing with the administrative side, saving you time and hassle.
We Save You Money
By acting now, you can avoid rising interest charges and secure a more affordable mortgage.
Our Advice Is 100% Free
Like all mortgage advisors, we receive a commission from the lender — but unlike many, we don’t charge you any extra fees.
How It Works
repaying your help to buy loan
It’s a clear, step-by-step process — and we’re here to guide you through it from start to finish, with no stress and no fees.
Call us, send a message, or book a time that suits you. We’ll ask a few questions to understand your Help to Buy situation and explain your options clearly — including whether you’re repaying, remortgaging, or selling.
We’ll walk you through everything in an online presentation, tailored to your needs. Then we’ll send you a full written summary to look through in your own time. If you’re happy, you just give us the go-ahead.
We’ll arrange the remortgage, help with the RICS valuation, deal with the Help to Buy administrators, and handle all the legal paperwork.
What Our Customers
Say
About Us
See what our happy customers have to say about their experience with us — real stories from people we’ve helped every step of the way.
Your trusted
help to buy loan guide
&
helping hand
Repaying your Help to Buy loan doesn’t have to be stressful. We’ll guide you through every step from understanding your options to finding the best way to remortgage or repay your equity loan.
Book an
appointment or send a message
Don’t let uncertainty hold you back any longer. We’ll guide you through your Help to Buy repayment or remortgage with clear, tailored advice — helping you find the right mortgage solution to move forward with confidence.
Our Office Address
Dalton House, 35 Chester St, Wrexham LL13 8AH, United Kingdom
Got Any Questions?
We’ve Got The
Answers
Got a question about repaying your Help to Buy loan? You’re not alone and we’re here to make things clear. Below, you’ll find answers to the most common queries, from understanding the repayment process to knowing what steps to take next. If you don’t see what you’re looking for, our team is always ready to help.
