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Buy a new home with 5% deposit

The government backed Help to Buy scheme, along with the Stamp Duty reform, has made buying a new home more affordable. The scheme is available to all home buyers.  

There are two Help to Buy options; both require a 5% deposit. 

Help to Buy Equity Loan

This scheme allows you to own 100% of your home and only pay 80% of the price upfront. You provide the 5% deposit and the government will lend you up to 20% as an equity loan. You can then apply for a mortgage based on the remaining 75% of the house price.
The equity loan is interest-free for five years and the scheme is available on new build homes up to the value of £600,000.

Help to Buy Mortgage Guarantee

With a 5% deposit, you can apply for a 95% mortgage from a participating bank or building society. The government provides the mortgage lenders with a guarantee of up to 15% of the home value, enabling the return of the 95% mortgage. 

The Mortgage Guarantee scheme is available on new build and existing homes up to the value of £600,000. Our team of independent mortgage advisors will confirm if you qualify under the scheme criteria and help you find the right mortgage.