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Help to Buy

Help to Buy lets customers with a low deposits (typically 5% or over) get their foot on the housing ladder.

How it works

  • You need to provide a 5% deposit.
  • The government will lend you up to 20% of the property value (up to 40% if buying within Greater London).
  • You then need to secure up to a 75% mortgage.
  • The loan is interest free for the first 5 years. 

Who is it for?

  • It's aimed at first time buyers 
  • It is only available on one property, so when it applying it must be for your only property.
  • There are Terms and conditions that apply to all Help to Buy schemes so make sure you check the full eligibility criteria. . 

Detailed information can be found on the Government website

Loan value

Find out if you're eligible for Help to Buy and see how we can help you. 

Book an appointment

Help to Buy equity loan

Help to Buy logo rgb

Help to Buy: Equity Loan (2021-2023)

Help to Buy is a government scheme designed to help first time buyers who have never owned a property before to advance up the property ladder.

Who is eligible?

Help to Buy: Equity Loan (2021-2023) are available to first time buyers. The home you want to buy must be newly built with a price of up to £437,600, for the South East of England.(see the Help to Buy site for more regional caps)

How does it work?

With a Help to Buy equity loan the Government lends you up to 20% of the cost of your newly built home, so you’ll only need a 5% cash deposit and a 75% mortgage to make up the rest.

You must buy your home from a homebuilder registered for Help to Buy: Equity Loan.

The amount you pay for a home depends on where in England you buy it.

When getting a mortgage you will be able to borrow up to a maximum of 4.5 times your salary.

HTB Equity loan house infographic

Help to Buy Equity Loan example

For a property worth £320,000AmountPercentage
Cash deposit£16,0005%
Equity loan£64,00020%
Your mortgage£240,00075%

How do I pay back the Help to Buy equity loan?

You must pay back the loan after 25 years or when you sell your home - whichever comes first.

You will not be charged any interest on the 20% loan for the first five years of owning your home.

However a management fee of £1 a month will be applicable from the date of purchase for the duration of the equity loan.

From year six, a fee of 1.75% is payable on the equity loan, which rises annually by CPI (Consumer Price Index) inflation plus 2%.

For full information about the scheme, please visit

Help to Buy enquiry form

Call us on  01392 453558 for more information or to book an appointment.

Alternatively you can request a call back by completing this form and an Embrace Financial Services adviser will call you to arrange a suitable time for your appointment.

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