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Low cost home ownership schemes

Help to Buy equity loan

Help to Buy is a government scheme, designed to make it affordable to buy a home.

How a Help to Buy equity loan works

You will need to buy a newly built home from a participating registered developer.

The government will give you an equity loan of up to 20% of the full value of the new home. You will not pay interest on this equity loan for the first five years. You will begin paying interest from year six onwards.

You need to put down a 5% deposit.

You will need to fund the rest of the purchase price with a mortgage.


Apply online on the Help to Buy website.