Help to Buy - Here's How It Works

You’ll need your own 5% deposit

Get a 20% equity loan from the government*

Buy the home you need now with a 75% mortgage

Available to first and next time buyers

Let's find your new home with Help to Buy

Your budget

With a deposit of around

The Government may loan you up to

And you may be able to borrow

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

Based on the information you've entered, this is calculated on the ability to borrow 4.5 times your household income.

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 borrow.

So what's involved?

Choose from our range of stunning new homes available under the scheme, up to a maximum purchase price of £600,000.

Our independent mortgage advisors can then take you through the prequalification process. Subject to approval, the government will agree to lend you up to 20% of the purchase price through an equity loan.

You’ll need a 5% deposit to secure a conventional mortgage for up to 75% of the purchase price.

You’ll need to pay a reservation fee of £500† to secure your home for a specified period.

You’ve now secured your new Linden home and can look forward to adding the personal touches and moving in.

Download our Help to Buy leaflet

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.

Are there any fees to pay?

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

Used Help to Buy before?

Find out what your options are for your next move.

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

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

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

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

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

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

Find out more

All images are used for illustrative purposes only and are representative only. They may not be the same as the actual home you purchase and the specification may differ. Images may be of a slightly different model of home and may include optional upgrades and extras which involve additional cost. Individual features such as windows, brick, carpets, paint and other material colours may vary and also the specification of fittings may vary. Any furnishings and furniture are not included in any sale. Please check with our sales representatives for details of the exact specifications available at the development(s) for each type of home and the associated prices.