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Help to Buy: Equity Loan

Are you a first-time buyer struggling to save for a deposit? This government scheme is designed for you. We’ve broken the process down into five simple steps.


This government scheme is designed to help first-time buyers who are struggling to save for a deposit for their first home. The scheme is available on new build homes only, up to a maximum purchase price of £437,600 in the South East of England.


  1. Choose your new home from our range of new houses and apartments. Once you’ve found your dream home, you’re ready to pay your reservation fee.
  2. Speak to an Independent Mortgage Advisor (IMA) who can help you through the prequalification process. If you are eligible for the scheme, you can borrow up to 20% of the purchase price from the government, interest free for the first five years^.
  3. You’ll need to provide a 5% deposit*, which is based on the full price of your new home. Your deposit combined with the government loan will give you a 25% deposit to get your mortgage.
  4. Next, get your 75% mortgage from a any lender working with the scheme.
  5. Congratulations! You now own 100% of your new home.

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