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The Government has created the Help to Buy scheme to help hard-working people like you take steps to buy your own home. Whether you want to get onto the housing ladder or move up it, Help to Buy makes it possible to buy a new-build or existing home priced up to £600,000 with as little as a 5% deposit. note - the information provided on this page is for a general guide and that the goverment website www.helptobuy.org.uk must be referred too to ensure that the current and any updated information obtained.
 

 

Equity Loan : With a Help to Buy Equity loan the Government lends you up to 20% of the cost of your new-build home, so you’ll only need a 5% cash deposit and a 75% mortgage to make up the rest www.helptobuy.org.uk/equity-loan
 
Mortgage guarantee : A mortgage supported by the Help to Buy mortgage guarantee scheme works in exactly the same way as any other mortgage except that under the scheme the Government offers lenders the option to purchase a guarantee on mortgage loans - See more at www.helptobuy.org.uk/mortgage-guarantee
 

New Buy : lets you buy a new-build home with a purchase price of up to £500,000 with a deposit of only 5%. To be eligible for NewBuy, your new home must be: a.your main home (you can’t use NewBuy to buy a second home or a buy-to-let property) b.owned fully by you (you can’t use NewBuy for shared ownership or Help to Buy: equity loan purchases) c. built by a builder taking part in the scheme d. You don’t have to be a first-time buyer and there’s no limit on your level of income. But you can’t use NewBuy with any other publicly funded mortgage scheme. See more at: www.helptobuy.org.uk/other-housing-options/newbuy

 
Shared ownership : schemes (part buy/part rent) are provided through housing associations. You buy a share of your home (between 25% and 75% of the home’s value) and pay rent on the remaining share. You can buy bigger shares at a later stage when you can afford to - See more at: www.helptobuy.org.uk/other-housing-options/shared-ownership

 

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