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Purchase a home with as little as a 5% deposit

Where do you want to live?

We list a wide selection of developments that are available to purchase with the Help to Buy equity loan scheme. With this government scheme, you may only need to pay as little as a 5% deposit, compared to the much higher deposits required by many mortgage lenders.

Latest Help To Buy Homes:

Trentham Manor

£199,995 - £368,995

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Trentham Manor

Stoke-on-Trent, Staffordshire

3, 4 and 5 bedroom houses

St Modwen

Hadden Grove

£265,000 - £385,000

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Hadden Grove

Hadden Hill, Didcot, Didcot, Oxfordshire

2, 3 and 4 bedroom properties

Bovis Homes

Wychwood Park

Wychwood Park

Haywards Heath, West Sussex

3 and 4 bedroom properties

David Wilson Homes

We know that getting onto the property ladder can be a challenge, especially for First Time Buyers. That's why we provide those looking for a new home with the most comprehensive and up-to-date collection of new homes from the most highly rated new house builders across the UK.

Frequently Asked Questions

What is Help to Buy (HTB)?

The government launched the Help to Buy scheme to make it easier for you to buy your first property. If you are in a position where you want to buy a new property, but you cannot afford a large deposit, this could be an excellent option.

How Long Will it Last?

The scheme scheme will run until 2023, but from April 2021 will be restricted to First Time Buyers and includes regional property price caps on the purchase price.

How Does it Work?

Based on a home worth £200,000, you would contribute at least a 5% deposit, e.g. £10,000, the Government would then give you an equity loan for up to 20% of the price, e.g. £40,000, and your mortgage provider would give you a mortgage of up to 75% to cover the rest, e.g. £150,000.

The government loan is interest free for the first five years after you purchase your property, after which a fee will apply starting in the 6th year. Your solicitor or conveyancer will be able to give you more precise information regarding your future fees.

What is the Eligibility Criteria?

To be eligible you must be 18 or over, you cannot own a property at the time of completing your purchase of your new home, and the purchase price of the property you are planning to buy is less than £600,000 (until April 2021, when there will be regional price caps).

Where is HTB Available?

The scheme is available in England and Wales only. However similar schemes are available in Scotland, and Northern Ireland.

How Do I Find Out More?

Most new home developers will be able to offer advice on the availability of Help to Buy schemes at their developments. You can also talk to a Help to Buy agent in the area you want to live. Find out more about Help to Buy with our free Help to Buy guide.

What Other Schemes Are Available?

The Help to Buy Shared Ownership scheme is another excellent way to buy a newly built home. If you are eligible under the scheme, you purchase between 25% and 75% of the value of the property. You will need a deposit and a mortgage to pay for the share of the house that you want to buy. The remaining share is owned by a housing association, and you will pay rent comprising up to 3% of this amount. Please click here to find out more about Shared Ownership.

What is a HTB ISA?

With a Help to Buy ISA, the Government will boost your savings by 25%. So, for every £200 you save, receive a government bonus of £50. The maximum government bonus you can receive is £3,000. You’ll be able to open this type of ISA until 30 November 2019. After that date they won’t be available to new savers anymore – but if you opened your account before then you can keep saving into your account until 30 November 2029 when accounts will close to additional contributions. You must claim your bonus by 1 December 2030.

Find out more about how this special ISA works on the Government's Help to Buy website here.

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The information contained on this page is not advice, and should not be treated as such. You must not rely on the information in the guide as an alternative to legal or financial advice from an appropriately qualified professional. If you have any specific questions about any of the subject material contained on this page you should consult an appropriately qualified professional.