5%
Deposit

You only need a minimum 5% deposit

20%
Government loan

The government will lend you up to 20% of the value of your property through an equity loan, which can be repaid at any time or on the sale of your home

75%
Mortgage

So you will only need to secure up to a 75% mortgage from a bank or building society

£600,000
Maximum purchase

Maximum home purchase of £600,000

Let's find your home

Find homes within your price range using our Help to Buy calculator

£

Your budget

With a deposit of around

The Government may loan you up to

And you may be able to borrow up to

So you may be able to afford a new home
up to the value of

Based on the information you've entered

This information doesn't contain all of the details you need to choose a mortgage.
By providing this information, we are not making any recommendation or giving any advice.
This calculator only gives you an indication of the amount you could borrow, so the figure it shows could be different from the amount you could actually lend.

Your results

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Frequently asked questions

Can I buy any home with Help to Buy?

Any new build home in England up to 600,000. Not available for second homes or buy to let properties.

Can everyone get Help to Buy?

Yes. Help to Buy is not just for first time buyers, and there is no maximum income cap. If you can get a mortgage, you can get Help to Buy.

Are there any fees to pay?

No. The Help to Buy equity loan is interest free for 5 years. After that you pay a fee of 1.75%, rising each year by 1% plus the RPI. You may also have to pay mortgage arrangement fees.

Are you a member of the Forces?

If you are, as well as Help to Buy, there is an additional incentive available for members of the Forces. More details

Terms & Conditions

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBT SECURED ON IT.

Credit is secured against your home. Subject to status, Help to Buy Terms & Conditions and available on selected properties in England only. Eligible applicants will be offered an equity loan 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/deposit where required. The equity loan is provided by the HCA and held as a second charge. This offer is not available in conjunction with any other promotion. Full details will be provided on request.

Did you know?

All waste plasterboard is recycled and used in the manufacture of new plasterboard products.

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