Help to Buy: Equity Loan scheme

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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Get help to buy your new home

If you're looking for a more affordable way to buy your home, then the government's Help to Buy schemes could benefit you.

Top up your deposit with an equity loan
With a Help to Buy equity loan, you can add to your deposit on a new-build property, whether you’re a first-time buyer or buying a new home.
Platinum-rated customer service
Providing great service is something we’re really proud of. We’ve won Feefo’s Platinum Trusted Service Award for 2021.
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Any questions? You can speak to us about your mortgage 7 days a week.

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 helptobuy.gov.uk/equity-loan or mygov.scot/help-to-buy for properties in Scotland.

Next steps

See how much you could borrow
Use our mortgage calculator to work out how much you could borrow from us.
Ask us a question
Call us or chat online if you have any questions about buying your first home.

FAQs

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.