Help to Buy: Equity Loan

We support the Government's Help to Buy: Equity Loan scheme which aims to help both first time buyers and home movers buy a new build home.
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Help to Buy

With a Help to Buy: Equity Loan, you could buy a brand-new house sooner than you think.

The scheme is available on selected new build properties for both first time buyers and home movers.

  • You only need a 5% deposit
  • The Government lends you up to 20% of the value of the property (15% in Scotland)
  • The loan is interest-free for five years

Help to Buy: Equity Loan

When you sell your property, or choose to repay some or all of the equity loan, the amount you have to pay back will be based on the market value of your property at that time.

For more information please visit or for properties in Scotland.

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Saving for your first home?

Get a 25% bonus

Save into a Help to Buy: ISA and the Government will boost your savings by 25%. Find out more →


Your mortgage is secured on your home. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.