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

Time Is Running Out On Help To Buy In England. Reserve a new home by Tuesday 15 December.

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

Currently, the scheme is available to anyone buying a new build property as a main residence up to the price of £600,000. The 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.

The current version of the scheme can be used to purchase a new build home that is ready to move into by 28 February 2021, and you must also be able to legally complete the purchase and have the keys to move into your Help to Buy home by 31 March 2021.

But the deadline for reserving a home on this scheme is approaching fast – the last day you can reserve a home under the current Help to Buy format is Tuesday 15 December. From Wednesday 16 December onwards, buyers can apply to use the new Help to Buy scheme, which commences on 1 April 2021 and runs until 2023. This new scheme will only be available to first-time buyers, with regional price limits.

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 have their own versions of government equity loan schemes.


Help to Buy 2021-2023

Starting on 1 April 2021 and open to first-time buyers only, these are the regional maximum prices which qualify for purchasing a new build home with Help to Buy (2021-2023):


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


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