Change of https://www.gov.uk/guidance/help-to-buy-equity-loan-administration-fees

Change description : 2025-06-23 13:49:00: Information now includes administration fees for other government Help to Buy equity loan schemes. [Guidance and regulation]

Showing diff : 2025-02-03 11:01:46.483900669 +00:00..2025-06-23 12:49:23.543245378 +00:00

Guidance

Help to Buy:Buy Equity Loan administration fees

A list of the administration (admin) fees that apply to Help to Buy:Buy Equityequity Loan. loan schemes.

Applies to England

Help to Buy: Equity Loan administration fees

Description Fee
Repaying your equity loan (redemption) £200
Part repaying your equity loan (staircase) £200
Remortgaging your Help to Buy homeRemortgage £115
Making structural alterations to your Help to Buy home £50
SublettingLetting your Help to Buy home £50
Changing ownership of your Helphome to(transfer Buyof homeequity) £115
Management fees £1 per month

When

Read more about managing your Help to payBuy: adminEquity Loan.

Armed Forces Home Ownership Scheme (AFHOS) administration fees

DescriptionFee
Repaying your equity loan (redemption)£200
Part repaying your equity loan (staircase)£200
Remortgage£50
Moving away from base£30
Home improvements£50
Changing ownership of your home (transfer of equity)£50

ReadYou guidancecan onfind managingmore information about this scheme in the AFHOS buyer’s guide.

FirstBuy scheme administration fees

DescriptionFee
Repaying your Helpequity toloan Buy:(redemption)£250
Part Equityrepaying Loanyour equity loan (staircase)£250
Remortgage£115
Letting your home£75
Home improvements£75
Changing ownership of your home (transfer of equity)£75

You can find more information about this scheme in the FirstBuy buyer’s guide.

First ThisTime explainsBuyers’ whenInitiative you(FTBI) administration fees

DescriptionFee
Repaying your equity loan (redemption)£200
Part repaying your equity loan (staircase)£200
Remortgage£50
Letting your home£50
Home improvements£50
Changing ownership of your home (transfer of equity)£50

You can find more information about this scheme in the FTBI buyer’s guide.

London-Wide Initiative administration fees

DescriptionFee
Repaying your equity loan (redemption)£200
Part repaying your equity loan (staircase)£200
Remortgage£50
Home improvements£50
Letting your home£50
Changing ownership of your home (transfer of equity)£50

You can find more information about this scheme in the London-Wide Initiative information pack.

HomeBuy Direct administration fees

DescriptionFee
Repaying your equity loan (redemption)£250
Part repaying your equity loan (staircase)£250
Remortgage£115
Home improvements£75
Letting your home£75
Changing ownership of your home (transfer of equity)£75

You can find more information about this scheme in the HomeBuy Direct Buyer’s Guide.

When to pay admin fees

You’ll need to pay an admin fee.fee when you apply to make changes to your equity loan.

Pay your admin fee online

When you have applied to make changes to your equity loan account and it’s time to pay your admin fee, you can pay it online.

If we have your mobile number, we’ll send you an SMS text message from ‘HelptoBuy’ with a unique link to HelptoBuy.paythru.com. The link works for 4 days from when we send it. We only use this payment method for your admin fee, so we will not ask you to pay more than £250 in this way.

For other ways to pay, please read the guidance on managing your Help to Buy: Equity Loan.

Admin fees for other equity loan schemes

If you bought your home using a previous equity loan scheme with Homes England shown below, you can find out about fees and charges in the information packs.

Updates to this page

Published 22 February 2022

Last updated 323 FebruaryJune 2025 + show href="#full-history">+ show all updates
    1. Includes information about how customers can pay admin fees online, if a unique link is sent to their mobile number.

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Update history

2025-06-23 13:49
Information now includes administration fees for other government Help to Buy equity loan schemes.

2025-02-03 11:01
Includes information about how customers can pay admin fees online, if a unique link is sent to their mobile number.

2024-02-15 15:00
Adding link to information packs about other closed affordable home ownership schemes.

2022-07-13 09:01
Edited the fee charged for changing ownership of your Help to Buy home with correct cost

2022-02-22 15:32
First published.