Help to Buy (England)

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%

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To be eligible for Help to Buy, you should:

  • 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)


How Help to Buy is changing

The current Help to Buy scheme will run until March 2021. From April 2021 a new scheme just for First Time Buyers will be available. As part of the new scheme, there are regional price caps, which for the North West of England is £224,400.

The new Help to Buy scheme remains the same as the current scheme where you only need a 5% deposit and receive a 20% equity stake from the Government and a 75% mortgage.

Own a home with Help to Buy


Available at the following locations