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Help to Buy

Whether you are a First Time Buyer or existing homeowner, Help-to-Buy could get you moving with only a 5% deposit.

What is Help to Buy?

We have some great news for anyone looking to move – Help to Buy could make purchasing your dream home easier.

It is designed to help First Time Buyers and existing homeowners purchase a newly-built home. Under this scheme, all you need is a 5% deposit and you can borrow 20% of the purchase price interest-free for the first five years*. If you live in London, you can borrow up to 40% of the purchase price, which goes a long way towards the final cost.

Help-to-Buy offers a number of options to get you moving:

Help to Buy Equity Loan (Scotland)

The Government can lend you up to 15% of the cost of your new home and you will only need 5% deposit to buy, giving you a 85% mortgage.

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Equity Loan: London

If you're looking to move to London, the London Help-to-Buy Equity Loan scheme helps First Time Buyers and existing homeowners with a 40% Government loan due to higher house prices. Under this scheme, the Government will lend you 40% of the purchase price interest-free for the first five years. You still only need a 5% cash deposit and then a 55% loan-to-value mortgage to make up the rest.

Shared Ownership

If you can't afford a 100% mortgage on your own then shared ownership allows you to buy a share of your home (between 25-75% of the property value) and then pay rent on the remaining share. You can then choose to buy more shares later on to increase your ownership when you can afford to.

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