Help to Buy logo

The Help to Buy scheme is a scheme offered by the Government to help people in buying their own home.

Whether you are a first-time buyer or want to move up the property ladder, the scheme can allow you to buy a new-build home with a deposit from as little as 5%.

By saving just a 5% deposit, you could receive a Government equity loan of up to 20% of the purchase price, or 40% in Greater London. The loan is interest-free for the first five years, which helps to make your monthly mortgage repayments more affordable.

Help to Buy has a £600,000 maximum price limit, but fortunately most of our new homes fall within that bracket.

Help to Buy has a few special requirements:

  • It covers full home ownership only, and is therefore not available for shared equity or shared ownership.
  • It is available for the purchase of a person’s primary home only, so not for additional homes, investment or buy-to-let purchases.
  • It only applies to capital repayment mortgages rather than interest-only mortgages.
  • Buyers must not receive help with their deposit from a local authority or other public body.
  • A HomeBuy agent check will be required.
Calculate your Deposit

Our Help to Buy calculator on each property page can help you find out how much deposit you might need in order to borrow your desired amount, and what your mortgage amount could be.

*20%/40% loan is interest free for the first 5 years.  5% deposit is applicable with the Government’s Help to Buy scheme.  Calculation above is indicative only.  Available on selected plots only.  Buyers will need to have sufficient funds to pay legal and sundry costs.  Equity deposit percentage may be subject to lender’s and Government criteria.  Prospective buyers should always seek independent financial advice before proceeding.  Countryside works with a number of independent financial advisers who are able to provide appropriate advice.  Countryside terms and conditions apply.  Subject to status.