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Help to Buy

Help to Buy is a government scheme that aims to help first time buyers, and those looking to move home, to purchase residential property.

The scheme means that you could move home with a deposit as low as 5%, whether you’re taking your first step onto the property ladder or moving up a rung.

There are three ways you can benefit from the Help to Buy scheme:

  • Help to Buy ISA – if you are saving to buy your first home, save money into a Help to Buy ISA and the government will boost your savings by 25%. For every £200 you save, you will receive a government bonus of £50. The maximum government bonus  is £3,000.
  • Shared ownership – if you can’t quite afford the mortgage on 100% of a home, shared ownership offers you the chance to buy a share of your home and pay rent on the remaining share. Later on, you could buy bigger shares when you can afford to.
  • Equity loans – where the government lends first time buyers and existing homeowners’ money to buy a newly-built home

For more information about the government’s Help to Buy options, click the link below.


Official Help to Buy website

Why not try our easy to use online mortgage calculator to help you determine your mortgage affordability to buy a house. Find out how much your monthly repayments might be.

Mortgage calculator

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