Help to Buy - Equity Loan

With Help to Buy: Equity Loan, you could get a 20% loan from the government to help you buy a new-build home.

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With a Help to Buy: Equity Loan, you could buy a new home with just a 5% deposit, 75% mortgage and a 20% loan from the government. This means that you only need to cover 80% of the purchase price when you buy the property.

The government’s loan needs to be repaid within 25 years or when the property is sold. You can also pay off the loan in full at any other point before the end of the 25 year term. You only start to pay interest on the government loan after five years of owning the property.


The scheme is for anyone who is looking to buy a new-build home. Whether you're looking to get onto the property ladder or move up it, a Help to Buy: Equity Loan could work for you. There are certain criteria which you must meet to qualify:

  • the property you plan to buy should be your only home - if you’re an existing homeowner you must be selling your current property. You can't rent out your existing home and buy a second home through Help to Buy
  • the property must be valued below £600,000
  • you need to have access to a minimum 5% deposit for the property
  • you must fund up to 75% of your chosen property through a conventional mortgage (you must take out a minimum of 25% as a mortgage). A financial assessment will check that your proposed mortgage is affordable.

To apply for a Help to Buy: Equity Loan, you must first choose and reserve a property. We'll then talk you through the application process. You can see our currently available properties.

More information

You can read more information about the scheme in the Help to Buy Buyer's Guide.pdf

For more details, you can contact us at: