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Help to Buy

Help to Buy is the government’s scheme that offers buyers an equity loan they can use to help to buy a new build home.

The Help to Buy scheme enables buyers to acquire a property with just a 5% deposit, supplemented by a loan covering up to 20% of the property's value, which remains interest-free for the first 5 years. The buyer must then secure a standard mortgage for the remaining 75% of the property's value.

In London, the maximum equity loan under the Help to Buy scheme is raised to 40% of the property's value.

How to repay your Help to Buy

Find out how to repay your Help to Buy: Equity Loan, either in full or in part, when you remortgage your home.

What you need to know about Help to Buy

You can no longer apply for a Help to Buy: Equity Loan for properties in England, but you can still apply for one in Wales.

If you purchased your home using a Help to Buy: Equity Loan, you will need to:

  • Pay interest on your equity loan
  • Pay a management fee
  • Repay your loan

The amount you need to pay in interest and loan repayments depends on the percentage of the equity loan you borrowed.