Mortgage & Property
Calculate the management fees and repayment cost of your Help to Buy equity loan year by year.
For existing borrowers only. The Help to Buy equity loan scheme closed to new applicants on 31 October 2022. This calculator is for those who already hold an equity loan and want to understand their ongoing fees and repayment costs.
The price you paid when you bought the property
20% outside London, up to 40% in London
Initial loan: £50,000
Affects the repayment amount (loan is repaid as % of sale price)
The management fee increases by RPI + 1% each April from year 7
When you plan to sell or remortgage
Loan repayment in year 10
£67,196
20% of £335,979 property value · £4,692 total fees paid
Initial loan
£50,000
At purchase
Total fees
£4,692
Years 6–10
Loan growth
+£17,196
Due to house price rises
Important: Due to property price growth, your repayment (£67,196) is £17,196 more than your original loan of £50,000. The equity loan is always repaid as a percentage of the current sale price, not the original amount.
| Year | Property value | Equity loan | Annual fee | Monthly fee |
|---|---|---|---|---|
| 1 fee-free | £257,500 | £51,500 | N/A | N/A |
| 2 fee-free | £265,225 | £53,045 | N/A | N/A |
| 3 fee-free | £273,182 | £54,636 | N/A | N/A |
| 4 fee-free | £281,377 | £56,275 | N/A | N/A |
| 5 fee-free | £289,819 | £57,964 | N/A | N/A |
| 6 fees begin | £298,513 | £59,703 | £875 | £72.92 |
| 7 | £307,468 | £61,494 | £906 | £75.47 |
| 8 | £316,693 | £63,339 | £937 | £78.11 |