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Help to Buy isn't just
for first time buyers.
It's for everyone

The Government backed
scheme that lets you move
with just a 5% deposit

+

Help to Buy isn't just
for first time buyers.
It's for everyone

The Government backed
scheme that lets you move
with just a 5% deposit

+

If you are a first-time buyer ask us about Help To Buy

Moorfield Park in Poulton-le-Fylde Moorfield Park in Poulton-le-Fylde

First time buyers can move with just a 5% deposit

Help To Buy Is Changing

Changes to the scheme will be introduced in April 2021 which will reduce eligibility to first-time buyers only. The introduction of new regional price caps will also limit the properties eligible to be purchased using the scheme. Applications under the current criteria closed on 15th December 2020 and current purchasers must legally complete by 31st March 2021.

To find out more, speak to one of our Sales Advisors. They will explain the new scheme in detail and put you in touch with an Independent Financial Advisor.

Moorfield Park in Poulton-le-Fylde

If you are a first-time buyer ask us about Help To Buy

You’ll be amazed what you
can afford with Help to Buy:

  • Applies to first-time buyers only (2021-23)
  • You only need a 5% deposit
  • Qualify for up to a 20% interest-free government loan*
  • Enjoy better rates on a 75% mortgage
  • 100% of your new home is all yours

As long as you have a 5% deposit, the government will lend you up to 20% of the value of the property through an equity loan. This is interest-free for the first five years and you can repay it when you sell your home or any time before. You’ll then only need to get a 75% mortgage, which opens the door to a choice of better rates and lower repayments.

*Help to Buy purchasers are required to fund at least 80% of the purchase price by means of a conventional mortgage, savings and any deposit where required. Eligible applicants will be offered an equity loan of 20% of the market price, interest free for the first five years. At the start of year six a fee of 1.75% is payable on the equity loan, which rises annually by RPI inflation plus 1%. Terms and conditions apply and full details will be provided on request. Only available on selected properties in England. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Please ask our Sales Advisor for full terms and conditions. Details correct at time of distribution. Images for illustrative purposes only.

Regional price caps.

The amount you can spend on your home depends on where in England you buy it. Each region has a price cap on the maximum property price as detailed in the table.

Our Sales Advisors will be able to confirm if the home you want to buy is within the set price range.

Enquire About Help To Buy

+Price cap applies from 1st April 2021 to 31st March 2023 and is based on the maximum property price which is the full purchase price and cannot be changed or negotiated. *As of the 1st April 2021, the government-backed Help to Buy Equity Loan scheme (2021-2023) is for First Time Buyers only and subject to eligibility, terms and conditions. Eligible purchasers are required to fund at least 80% of the purchase price by means of a conventional mortgage, savings and any deposit where required. Eligible applicants will be offered an equity loan of 20% of the market price, interest free for the first five years. At the start of year six fee of 1.75% is payable on the equity loan, which rises annually by RPI inflation plus 1%. Terms and conditions apply and full details will be provided on request. Only available on selected properties in England. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Help To Buy

Price caps by region

RegionMaximum
Property Price
North East£186,100
North West£224,400
Yorkshire & The Humber£228,100
East Midlands£261,900
West Midlands£255,600
East of England£407,400
London£600,000
South East£437,600
South West£349,000