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Help to Buy

Government Initiatives
Call today on 01206 715415
Available 7 days a week


Help to Buy


A Help to Buy is available to first time home buyers and homeowners looking to move into a newly built home with a price of up to £600,000. The Government will lend you up to 20% of the cost of this home and you won’t be charged loan fees on this loan for the first five years of home ownership. This means you will only need a 75% mortgage and a 5% cash deposit to buy your new home. This scheme is only available in England.

Help To Buy Buyers' Guide

To ensure you make your home purchase on a sound basis, your main lender’s mortgage must be a repayment loan with interest and capital repaid every month and that your mortgage is valid through to legal completion.

You are permitted to use funding from public sector bodies such as your council or Housing Association to purchase your home, provided the body is satisfied their funding is compatible with the Help to Buy scheme and the purchase is good value for money.

Help To Buy Buyers' Guide

Homes eligible for purchase


Homes that are eligible for purchase with a Help to Buy may still be under construction, as they are normally on new developments. Even if you are unable to move in at the time of purchase, you will be expected to arrange a mortgage and exchange contracts within one month of paying your reservation fee. The house builder who is building your home is the first point of contact for any progress updates or complaints about delays in construction.

How much can I borrow?

How much deposit do I need?

How much will it cost me each month?

How much will my Stamp Duty be?

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