help to buy

Making owning your dream home even easier

How does it work?

  • Available to first-time buyers and existing homeowners (who have sold their home)
  • You only need a minimum 5% deposit
  • You will need to secure a mortgage of up to 75%
  • The government will lend you up to 20% of the value of the new property*
  • You will own 100% of your home
  • Equity loan is interest free for 5 years

How do I pay off the Government Loan?

You won’t be charged loan fees for the first 5 years of owning your home. After five years you will be required to pay an interest fee of 1.75% of the amount of your Help to Buy shared equity loan at the time you purchased your property, rising each year after that by the increase (if any) in the Retail Prices Index (RPI) plus 1%. The loan itself is repayable after 25 years or on the sale of the property if earlier.

5% deposit + 20% equity loan + 75% mortgage = 100% home ownership



For more information visit: or chat to your sales adviser.