Need a helping hand?

Help to Buy

Facts about the scheme

  • You just need a 5% deposit and a 75% mortgage
  • The government provides the remaining 20% as an interest free equity loan
  • You own 100% of your home, with lower mortgage repayments
  • Available on new homes with a value of up to £600,000

Help to Buy

The Help to Buy Scheme is a government-backed scheme for all movers – not just first time buyers.

Own 100% of your home with just a 5% deposit and 75% mortgage.

You might want to move onto or up the property ladder, but face a long struggle trying to save for the deposit. Or perhaps you need a bigger home for your growing family or aspirations, but it just seems financially out of reach. With Help to Buy*, you can secure more home for your money - all you need is a 5% deposit and to secure a 75% mortgage, with the government providing the remaining 20% as an interest-free loan. The Help to Buy Scheme really can work for you. 


*Eligible applicants will be offered an equity loan up to a maximum of 20% of the purchase price (based on the open market value). Applicants are required to fund at least 80% of the purchase price by means of a conventional mortgage, savings and any deposit where required. For the first five years there is no fee charged on the equity loan component. At the start of year six a fee of 1.75% is payable on the equity loan, which rises annually by RPI inflation plus 1%. The equity loan is provided by the HCA and held as a second charge. Terms and conditions apply and full details will be provided on request. This offer is subject to status and only available on selected properties in England only. It is not offered with any other promotion. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.