In Help to Buy mortgages, you pay all the same costs like other mortgages. Besides the usual costs, you also have to repay the equity loan as well as all the additional fees included. The good news with equity loan is you don’t have to repay the exact amount you borrowed. You only have to refund the amount calculated based on your property’s current market value. With Help to Buy Equity Loans, you need to pay at least 5% of your new house’s sale price as a deposit. The government will lend you around 20% of the sale price through the Help to Buy Equity Loan. As for the rest, which is about 75%, you will need to take up a mortgage on a repayment basis. If the money you need for your Help to Buy home is £200,000, you need to put down a 5% deposit. 5% of £200,000 (cost of the house) is £10 000, which will be your deposit. The government will cover 20% through an equity loan, which is £40 000. The rest of the purchase price, which is 75% of £200 000 is £150 000 which will be your mortgage. How much your repayment is, will depend on your bank’s interest rate and the period of time over which you will be paying for your mortgage.