Help To Buy

Help to Buy* is the Government scheme which provides home buyers with an equity loan of up to 20% of the value of a new build property

The equity loan can be repaid at any time within 25 years, or upon the sale of the property with the loan being interest free for the first 5 years.

In the example below, you could secure a mortgage with a deposit as low as £25,000.00 on a £500,000.00 property.

For further information, please refer to Help to Buy website;


Your Mortgage at 75% - £375,000.00
Your Deposit at 5% - £25,000.00
HTB Loan at 20% - £100,000.00
Total purchase price - £500,000.00

*Help to Buy is available on properties up to a maximum value of £600,000. If you qualify for Help to Buy assistance and you raise a mortgage for at least 75% of the purchase price of your new home from a lender, you can borrow up to the remaining 20% of the purchase price by taking out a loan secured over your new home from the Government’s Homes & Community Agency (HCA) over a period of 25 years. For further information, please refer to the Help To Buy website;