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The Help to Buy – England scheme has now ended, but the Help to Buy – Wales and Forces Help to Buy schemes are still running. Details of these schemes, past and present, can be found below.
Help to Buy – Wales is backed by the government and is designed to help people purchase a new-build home up to the value of £300,000 in Wales.
As of 1st April 2023, any homes bought under the scheme need to meet a minimum EPC rating of B. The scheme has also been extended through to 31st March 2025, with the date of 19th December 2025 set as the final date for legal and practical completion.
The Forces Help to Buy scheme, recently made permanent by the Government, enables service personnel of the British Armed Forces to borrow up to 50% of their salary – interest free, and up to a maximum of £25,000 – towards the purchase of a property.
Certain criteria must be met to be eligible, such as having completed the prerequisite length of service and having more than six months left at the time of the application.
To read about the scheme in more detail, please click on the link below.
Applications for the Government's Help to Buy scheme are no longer being accepted in England as of Monday 31st October 2022. Buyers who have already reserved a home using the scheme have until Friday 31st March 2023 to complete their purchase.
If you have already bought your home using Help to Buy and would like further information about the scheme, please visit our Help to Buy – England page.
Everyone has been brilliant and so helpful, especially the sales team. They helped with all the decisions I was not sure of, and were so involved in the whole process, it felt like they were part of our friends and family.Jade and Ravaun Jones, The Beeches at Stanton Cross, Northern Home Counties division
No matter your circumstances, we have a range of available schemes designed to meet your needs.
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT. Help to Buy is subject to the Homes and Communities Agency’s (HCA) terms and conditions and is available on new build homes on selected Bellway developments where the property represents your only residence. Help to Buy is available to first-time eligible buyers only and is subject to maximum regional price caps. HomeBuy agent eligibility checks are required. The equity loan is interest free for the first five years. If you are an eligible first-time buyer, the Government will lend you a minimum of 5% and up to 20% (or up to 40% in London) of the market value of your new build home. You start to pay interest from year six, on the fifth anniversary of your equity loan and this is calculated at a rate of 1.75% of the equity loan amount. The interest rate will rise each year thereafter in April by the Consumer Price Index (CPI), plus 2%. The interest you pay during the life of the equity loan does not reduce the amount you owe. The amount of interest you pay will reduce if you make part repayments. Interest will be worked out on the amount of equity loan left to pay. You may be charged interest on overdue money and pay administration fees to make changes to your equity loan. When your equity loan starts you must pay a £1 monthly management fee, this is paid for the life of your equity loan. When you take out your equity loan, you agree to repay it in full, plus interest and management fees. You must repay your equity loan in full: at the end of the equity loan term (normally 25 years), when you pay off your repayment mortgage, when you sell your home and if you do not comply with the terms set out in the equity loan contract and you are asked to repay the loan in full. Help to Buy operates under terms and conditions imposed by the HCA and may be subject to change. Please visit www.helptobuy.gov.uk for further information. Help to Buy cannot be used in conjunction with other schemes. Information correct at time of broadcast. Please see www.helptobuy.gov.uk/equity-loan/eligibility/ for further information. †Terms and conditions apply.
