What is Help to Buy: Equity Loan?

With Help to Buy, first time buyers in England can buy a new home with only 5% deposit and an interest free* Government backed loan of up to 20% of the cost of a new build home and you only need a mortgage of 75%. Subject to eligibility, terms and conditions.

Watch the video to discover more about the scheme.

You save up to 5% deposit

You'll need a 5% deposit to buy a home with Help to Buy: Equity Loan. This is less than you'd typically need to get a mortgage without Help to Buy so you might be able to buy sooner than you thought. Our Help to Buy calculator will help you find out how much you'll need.

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Find your dream home

Search for your dream home on our website. Book an appointment to speak to a Sales Executive at the development of your choice to discuss more about your requirements and find the perfect home for you. 

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Find out how much mortgage you'll need

Our Sales Executive will put you in touch with an independent mortgage broker, who can help you find an 75% mortgage (55% in London) with Help to Buy and finalise how much you'll need for a deposit. To get an idea of these figures now, why not take a look at our Help to Buy calculator?

Sales Executive discussion with young couple

Apply for an interest free equity loan.

You'll need to apply for a Help to Buy equity loan worth up to 20% (40% in London) of the price of your new home. The amount you can purchase a home for using Help to Buy will depend on where in England you are buying. Use our Help to Buy calculator to help you see how much you could borrow up to.
Family using a laptop in their bedroom

Let us help you, every step of the way

Don't worry - our team will be on hand to help you to find your new home and to guide you through your Help to Buy application, including completing a Property Information Form.

Your Sales Executive will make sure the process of buying a new home with Help to Buy goes smoothly every step of the way, right up to the day you move in.

Male Sales Executive

For 5 years

The Government backed equity loan of up to 20% of the property’s value is interest free (in England and Wales) for five years. You can repay the loan at any time or on the sale of your home. To find out how much interest you'll pay after 5 years, take a look at our Help to Buy Frequently Asked Questions or the Help to Buy Buyers guide.
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Hear from our customers

Help to Buy has made the dream of home ownership a reality for thousands of people across England. Find out how Help to Buy made buying their first home a reality for one couple.