Help to Buy,
without restrictions

The government's Help to Buy scheme limits you to new-builds, which can be up to 40% overpriced. Proportunity is a mortgage lender that gives you the flexibility to buy your dream home at a price that works.

Add £150k to your home buying budget

Buy a home without compromise. Proportunity boosts your deposit to top up your main mortgage, unlocking a world of properties including new-builds and pre-owned homes.

In the press

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Boosted budget with Proportunity

Main morgage
Proportunity boost
Household income




Your budget
vs £
 without Proportunity

Get on the property ladder sooner

Wave goodbye to renting and shared ownership. Shorten the amount of time spent saving for a large enough deposit to buy the home you really want. Start with a 5% deposit and own 100% of your home so you can paint the walls and nail up some art however you please. It’s your home on your terms.

Help to Buy

Break free from restrictions

The Help to Buy scheme restricts your options to new-build properties. Overcome these limitations and buy the home that suits your lifestyle including pre-owned properties.


Buy better at a fair price

Help to Buy lends on new-builds that are priced a premium— our Proportunity Home Index (PHI) is powered by machine learning technology to scope out the best value properties in the areas you want to live in.

“Proportunity helped us get into a house now and be where we want to be instead of having to wait a lot longer.”

James & Vicki used our predictive Proportunity Home Index (PHI) and found out that the home was 5-6% undervalued. With a boosted budget and the confidence to buy a home, Vicki said, “Right there, we made the decision to put in the offer for what they were asking for.”

Home value
Proportunity deposit booster
Main mortgage

Getting started with Proportunity is easy

We offer a shared equity loan. Meaning if we lend you 25% of your home's value, then you pay back the same proportion at the point of repayment.

Step 1

Find the home you love

Either find one yourself or use our PHI to uncover the best value homes in your desired areas.

Step 2

Apply for financing

With just a 5% deposit, you can increase your budget by up to £150k or 25%. A Proportunity loan tops up your main mortgage.

Step 3

Repay when you’re ready

As an equity loan, the amount you pay back is linked to your  home's value. In the interim, you only pay interest each month.

Why Proportunity over Help to Buy?

Property type
Who is it for?
Loan limits
New-builds and pre-owned homes in England and Wales. Studio apartments, 3 bedroom house with a garden. Whatever you need, we can help you get it.*
*subject to your affordability
Whether you’re a first-time buyer or looking to move up the property ladder, you can use Proportunity.
Our tech-driven approach to home buying puts the buying power in your hands through our PHI all to help you find undervalued homes with high growth potential in your desired area.
There’s no time limit to apply for a mortgage boost. We’ll be here whenever you need us.
You can buy a home worth up to £1.2 million in England and Wales.
We’ll lend up to £150k or 25% of the property.
Help to Buy Loan
Limits you to new-build properties built by approved home builders.
First-time buyers only
Property builders inflate their new build prices by up to 40%. Making you overpay for a home with low growth potential.
Due to end in March 2023.
Property value is capped in desired areas.
Lends up to 20% of the cost, and up to 40% in London.

Frequently Asked Questions

Will you lend on all properties?

Since we are investing in your home alongside you, we are quite choosy about the homes we provide a loan on. To check whether a property is eligible, you'll need to add it to your Favourites List for us to evaluate it. While we offer loans on most property types, certain purchase types are excluded from the Proportunity Loan. For instance, we cannot lend on properties sold at auction, 'cash buyers only' homes, or shared ownership properties.

Can I use Proportunity alongside the Help to Buy scheme?

Unfortunately, as Proportunity and the Help to Buy scheme are both second charge loans, you cannot use them both at the same time.

What is the difference between Proportunity and Help to Buy?

We've designed our shared equity loan to be similar to the government's Help to Buy scheme, but with fewer restrictions. You can use our loan for existing homes as well as new-builds, and you don't need to be a first time buyer. With Proportunity, you will be 100% owner of your home.

Is Proportunity regulated?

Proportunity Loans is a trading style of SSM One Limited which is authorised by the FCA (firm reference number 716565). SSM One Limited is based in the UK with Companies House reference number 09273700 and has its registered office at GG 405, Metal Box Factory, 30 Great Guildford St, London SE1 0HS, United Kingdom. We are backed by international investors with industry experts on our board.

We’re with you
every step of the way

We pride ourselves on our passionate and dedicated team, because we know just how daunting and confusing buying a home can be. We’re here to be your home buying partner so you can be reassured and buy with confidence.
But don’t take our word for it, we let our customers speak for us!

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A smooth experience from start to finish

A smooth experience from start to finish The team at Proportunity were great - the coordination between my mortgage advisor and Proportunity was seamless and it was always made clear to me what I need to do in the process to move it along. A brilliant service that enables first time buyers to get on the ladder with an equity loan but without the markup of a new build help to buy!

- Rob
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Victorian Property Purchase

I was looking to purchase a property but didn't quite have the deposit amount I needed. I had heard about Help to Buy, however I saw that the scheme was limited to new builds only. The team could not have been friendlier and they explained everything I needed to know about the second charge loan in a way that was clear and easy to understand. They even referred me to an in house mortgage adviser who was great in confirming my affordability and choosing a suitable mortgage product. I have just completed on my Victorian property purchase today and could not be happier. Thank you to the Proportunity team, I cant recommend them enough.

- Julian
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The process with proportunity was very smooth from start to finish.

I added the property I was planning to buy to the website, waited for it to be accepted and then viewed the property. Using Proportunity allowed me to afford a flat in London which I’m extremely happy about and I would highly recommend using instead of help to buy as it allows you to buy older properties which will go up in value. The website is easy to use, and the legal process was really straightforward. The whole process took 4 months from putting the offer in to moving into my flat!

- Hannah

Stop putting your dreams on hold

Break free from renting. Apply for a Proportunity mortgage boost to own 100% of a high-growth potential home you love.

You can either choose to pay rent to someone else, or pay rent to yourself.  - Bettina

Ready to start owning?

Find out your boosted budget with Proportunity
© 2022 Proportunity Ltd

SSM One Limited (trading as Proportunity Loans) is authorised and regulated by the Financial Conduct Authority (with firm reference number 716565). SSM One Limited is registered in the UK at Companies House with reference number 09273700, with its registered office at GG 315, Metal Box Factory, 30 Great Guildford St, London SE1 0HS, United Kingdom.