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Help To Buy
The rules are about to change on the government-backed Help to Buy: Equity Loan scheme in England.

Help To Buy 

The new version of the government’s Help to Buy scheme in England started on 1 April 2021 and is open to first-time buyers only, until 2023.

A qualifying buyer only needs to provide a deposit of 5%, the government provides an equity loan of 20% of the price (40% in Greater London) and the buyer needs to get a mortgage for 75% of the purchase price (55% in Greater London). The equity loan is interest-free for the first five years.

Unlike the old version of Help to Buy, there are how the regional maximum prices which qualify for purchasing a new build home with the scheme:


North East £186,100
North West £224,400
Yorkshire and the Humber £228,100
East Midlands £261,900
West Midlands £255,600
East of England £407,400
Greater London £600,000
South East £437,600
South West £349,000


Some rules remain the same on the new version of Help to Buy. You must:

·         be a UK resident

·         be purchasing a new build home

·         not own any other property at the time of the equity loan

·         not rent out the home for buy-to-let purposes

·         generate enough income to keep up the mortgage repayments

So, to make the most of Help to Buy in England, search for a new home today.

Wales and Scotland governments have their own versions of Help to Buy and other buyer assistance schemes.

Case Studies
Richard and Hayley at home at Centennial Gate
23 April 2021
Richard and Hayley were the first to become residents at the exclusive Centennial Gate development in Panshanger...
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Mattheus at home at Tilbury Lodge
20 April 2021
With help for the government and family, Mattheus was able to buy the apartment he wanted from Shanly Homes...
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Alexandre and Jessica at home at Romans' Edge
16 April 2021
Alexandre and Jessica moved from renting to buying an ideal family home through Barratt Homes in Cambridgeshire...
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How does it work?
What's best for me, equity loan or the mortgage guarantee scheme?
Can I buy a home off-plan?
Do I have to pay stamp duty?
Are there any restrictions on the type of property I can purchase?
Can I rent out my Help to Buy home once its bought?
Recent News
No.10 Watkin Road (Barratt London)
6 May 2021
There's a chance to learn more about Help to Buy in person at Barratt London's No.10 Watkin Road development...
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The 'Guscott' at Massey Place (Owl Homes)
6 May 2021
A new development has opened its doors in the delightful Derbyshire village of Hilton courtesy of Owl Homes...
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6 May 2021
Recent launches and some special incentives will be of real interest to serious new homes buyers across Tyne and Wear...
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