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Help to Buy: Equity Loan

With a Help to Buy: Equity Loan* the Government lends you up to 20% of the cost of your newly built home, so you’ll only need a 5% cash deposit and a 75% mortgage to make up the rest. You won’t be charged loan fees on the 20% loan for the first five years of owning your home.

Benefits of Help to Buy: Equity Loan

Only 5% deposit.

Up to 20% Government loan.

Available for first and second-time buyers.

Benefits of Help to Buy

How does it work?

The Help to Buy: Equity Loan allows you to buy a new home with a deposit of just 5% of the purchase price. You then receive a loan of up to 20% from the Government which is interest-free for the first five years. This means you only need to secure a mortgage on the remaining 75%.

Am I eligible?

If you are a first-time buyer, or homeowner in England looking to move to a new build property with a value of up to £600,000 you are eligible to apply for a Help to Buy: Equity Loan.

Will I need to pay a deposit?

You will only need a 5% cash deposit for a Help to Buy: Equity Loan.

*(London) Help to Buy: Equity Loan – Terms and conditions apply. Please contact us for further details. More information can be found on