Help to Buy

Help to Buy is available to both first time buyers and existing home owners. The scheme means you can buy a new home with just 5% deposit.

  • Raising a mortgage and deposit can be difficult for first time buyers, but with the Help to Buy scheme you only need 5% which is hopefully much more achievable and affordable way to buy your new home.
  • If you’re an existing homeowner, you can use Help to Buy to trade up to a bigger property – you’ll just need to have sold or be selling your current home as the scheme can only be used to purchase your one and only property.

So how does Help to Buy Equity Loan work?

The Government will provide an interest free* equity loan of up to 20% of the value of the new property. If you have a minimum 5% deposit, you’ll need to obtain a 75% mortgage.

The maximum purchase price of a new home when using the scheme is up to £600,000.

Help to Buy Equity Loan cannot be used in conjunction with any other promotion or scheme, and can be used to buy a new build home only.


Help to Buy Equity Loan is available at sites including The Willows from Radian Homes, however a wide range of homes is also available to buy with Shared Ownership. Use our property search to find your new home!


*Eligible applicants will offered an equity loan of 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/interest charged on the equity loan component. At the start of year six a fee/interest 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 affordability and eligibility, and only available on selected developments and 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.

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