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No. The Help to Buy Equity Loan scheme in England is closed to new purchases. Applications ended on 31 October 2022, so buyers in Harrogate can no longer apply for a new equity loan through it.
You may still have other routes to homeownership. Depending on your circumstances, these can include Shared Ownership, a Lifetime ISA, First Homes where available, Forces Help to Buy or a low-deposit mortgage.
Our mortgage advisors in Harrogate can help you understand the differences and assess which options fit your plans.
The alternatives have separate eligibility rules. Shared Ownership allows eligible buyers to purchase a share of a home and rent the rest. First Homes offers a discount on selected properties, while a Lifetime ISA can add a government bonus to qualifying first-home savings.
Forces Help to Buy is a separate interest-free advance for eligible Regular service personnel. Some lenders also offer mortgages with a 5% deposit without an equity loan.
Your income, outgoings, credit history and chosen property will still need to meet the mortgage lender’s criteria. We can review these alongside any scheme requirements.
We start by reviewing your finances and what you want to achieve, then compare suitable mortgage options and explain any support you may qualify for.
If you already have a Help to Buy Equity Loan, your needs will be different from those of a new buyer. We can assess mortgage options when you remortgage or repay the equity loan, while your solicitor and the scheme administrator deal with the relevant legal and equity loan arrangements.
During your free initial mortgage appointment, we will explain the next steps and the information needed before you apply.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
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Joseph Harros
As first-time buyers, we had very little knowledge of the mortgage process and found it quite daunting, especially with rising interest rates and uncertainty in the property market. We’re extremely grateful to Dinah and Jo for their support and would highly recommend UK Moneyman to any first-time buyer looking for a professional, knowledgeable and supportive mortgage broker.
29 Oct 2026
Jade Wilmot
As first-time buyers, we had very little knowledge of the mortgage process. We changed properties along the way, and our circumstances made the mortgage process more complex than we initially expected. Dinah and Jo were absolutely brilliant throughout. We would definitely recommend UK Moneyman to anyone looking to set up a mortgage.
29 Oct 2026
Diane A
First class service. Jason and Lizzie helped me immensely getting a good mortgage quickly when I found myself separated. They pulled out all the stops and even spoke to me after hours. Excellent and would highly recommend. I can’t thank them enough. I now have my dream home
28 Oct 2026
Chloe Gathergood
Paula and Jason have been so helpful in getting our first mortgage sorted. They were quick to answer any questions and very helpful with their advice. Thank you very much
23 Oct 2026
Rebecca Joy
Leo and Lizzi were exceptionally helpful. Leo gave us great advise, not just on products available, but on things like bidding on properties, whether we were likely to be approved for more complicated properties etc. Lizzi was very communicative and thorough in processing our application, and after our first sale fell through we didn't hesitate to use UK Moneyman again. Thanks so much to Leo and Lizzi!
15 Oct 2026
Callum Kennedy
Very helpful and informative. Made the process as easy as possible. Would recommend to other
14 Oct 2026
Barry Hall
I had a financial issue that I thought was pretty unique to myself. The help and solution to my financial question has been exceptional in every step of the way. A big thank you to Warren and Joe for all of your patience and technical expertise.
14 Oct 2026
Megan Whitlock
The team working with my profile were amazing, I was in constant communication with them, if I emailed and rang someone responded quickly and they were able to secure my mortgage within 6 weeks from my initial meeting which saved me a lot of messing around and stress. Great service thank you
14 Oct 2026
Linda Chadwick
Amazing company very helpful and patient fantastic staff at the Hull branch nothings to much trouble sorted me a morgage out quickly and efficient i would recommend them 100%
14 Oct 2026
Natalie Rose
We’ve had Elaine Tiernan as our mortgage advisor and she has helped us out so much in the process of being approved with our first mortgage. From working around our working hours to arrange phone calls and online teams meetings to being prompt to respond to our enquiries. Elaine has been nothing but helpful, professional and supportive in our journey this far and we are very grateful to have had her as our mortgage advisor. Thank you to Paula aswell for always checking up on us and ensuring the process was as smooth as possible. Natalie and Liam
13 Oct 2026
During your free initial mortgage appointment, your mortgage advisor in Harrogate will go through your mortgage options and discuss the schemes you may be able to access.
We will compare suitable mortgage deals and check any additional requirements if you are using an available home-buying scheme.
The next step is to prepare your mortgage application and get it ready to send off to the mortgage lender.
We will keep you up-to-date with the progress of your mortgage application throughout the entire process.
Our offerings extend beyond finding the optimal mortgage arrangement for you. We will also offer suggestions for insurance choices to safeguard both you and your loved ones.
We help buyers and homeowners assess suitable mortgages, including current alternatives to the closed Help to Buy Equity Loan scheme. Your free initial mortgage appointment gives us a chance to understand your circumstances and explain your options.
We can help prepare your mortgage application, explain the supporting documents and keep you informed as the lender reviews your case. Where an available scheme is involved, we can explain how its requirements fit alongside the mortgage process.
During your free initial mortgage appointment, we will go through all of the figures with you so that you know exactly how much you will be paying each month.
As your mortgage advisor in Harrogate, we are here to help you. Get in touch with us today and make a date for your free initial mortgage consultation.
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Harrogatemoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Harrogatemoneyman 2009–2026
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Harrogatemoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Harrogatemoneyman 2009–2026
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