The Help to Buy equity loan scheme in the UK allows mortgage terms up to 35 years.
However, the equity loan itself must be repaid after 25 years or earlier if you sell your home or pay off your mortgage. After the first five years, you’ll start paying interest on the equity loan.
The time it takes to pay off your Help to Buy mortgage depends on the term you choose and whether you make any overpayments.
By making extra payments when you can, you might pay it off faster.