Help to Buy

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About Help-to-Buy and Shared Ownership....

Saving for a deposit can be a timely process and is not always easy and at times may feel impossible. To help future buyers purchase their own home the government has introduced the Help-to-Buy scheme where you can purchase your new home with as little as a 5% deposit and have lower mortgage repayments than you would with a standard mortgage arrangement.

What is Help-to-Buy?

The Help-to-Buy scheme offers an equity loan where the government lends first-time buyers and existing homeowners money to buy a newly-built home.

One of the other schemes available under Help-to-Buy is Shared Ownership. With the government's Help to Buy: Shared Ownership scheme you can buy as little as 25% or as much as 75% of a home and pay rent on the rest.

How does the Help-to-Buy scheme work?

To be eligible you must be purchasing a new build home and it must have a purchase price of no more than £600,000. Under this scheme, you can borrow 20% of the purchase price interest-free for the first five years as long as you have at least a 5% deposit. If you live in London, you can borrow up to 40% of the purchase price, the limit is 15% in Scotland.

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