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help to buy England

Help to Buy (England)

Buy now with just 5% deposit

Help to Buy is a product in the Government’s HomeBuy range designed to help buyers in England buy your new home in an affordable way. Help to Buy will enable an eligible buyer to purchase a brand new home, funded by an affordable mortgage and with assistance from a HomeBuy Agency.

Help to Buy gives you the chance to buy a new home with the assistance of an equity stake. The value of the stake is a maximum of 20% of the full price of the property. The maximum full purchase price is set at £600,000.

Under Help to Buy, the government provides an equity stake as follows:

  • Government provides an equity stake of 20%
  • You arrange a mortgage for 75%
  • Meaning your deposit is 5%

help to buy England

Are you eligible for Help to Buy?

To be eligible for a Help to Buy property, you must:
  • Be a would-be buyer unable to afford a suitable home in their local area
  • Be able to demonstrate access to savings or funds to pay, if required, a deposit (which may be 5% or more of the purchase price, legal fees, stamp duty and costs of moving)
  • Have a good credit history
  • Take out a mortgage with a qualified lender (e.g. a bank or building society)

Independent financial advice

Financing your new home can be exhausting – contacting endless mortgage lenders, not sure where to start, let us help.

More info        

Available at the following locations:


Terms and conditions apply


Help to Buy is only available on selected homes at selected developments in England. Eligible applicants will be offered an equity stake of up to a maximum of 20% of the full market price. The Homes & Communities Agency will hold the second charge on the property. Applicants are required to fund at least 80% of the purchase price by means of a mortgage and any deposit where required. For the first five years there is no fee charged on the equity stake component. At the start of year six a fee is collected of 1.75% of the market value of the property at the time the stake is entered into multiplied by the outstanding percentage under the equity stake, the annual fee of 1.75% will be uplifted by RPI +1% p.a. The equity stake is provided by the Homes and Communities Agency and developer as a second charge. Your home may be repossessed if you do not keep up your repayments on your mortgage.

Help to Buy is not available in Wales.

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