Help to Buy Help To Buy

Here's How It Works

1

You’ll need your own 5% deposit

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Get a 20% equity loan from the government*

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Buy the home you need now with a 75% mortgage

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Available to first and next time buyers

Part Exchange

Our Help to Buy video explains everything

For more information, please ask your Sales Executive or click below to download our Help to Buy leaflet.

Download the leaflet

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.

More ways we can help you move

Help to Buy

HTB

Not just for first time buyers! Buy any new home up to £600,000 with just a 5% deposit!

Find out more

Help to Buy London

HTB

Not just for first time buyers! Buy any new home in London up to £600,000 with just a 5% deposit!

Find out more

Part Exchange

Part Exchange

Stuck in a chain or have a home to sell? We could buy your current home when you buy one of ours

Find out more

Assisted Move

Assisted Move

Have a home to sell? We could sell it for you so you can buy one of ours

Find out more

Forces Help to Buy

HTB

Offers forces personnel a loan of up to 50% salary, capped at £25,000

Find out more

NEW vs OLD - It's no contest!

New vs Old

The benefits of buying new make the choice easy. Here are just a few:

  • All appliances are 'straight out of the box' and fully guaranteed‡
  • No sorting someone else's DIY disasters or dated decorations - you've got a blank canvas to make your own
  • Buying new could mean access to exclusive mortgage lender products through our suggested Independent Mortgage Advisors
View all other benefits