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Up to 100% funding

a Personal approach

Access to 100+ lenders

Structured, bespoke deals

Quick 
turnaround times

All levels of debt & equity

Up to 100% funding

a Personal approach

Access to 100+ lenders

Structured, bespoke deals

Quick 
turnaround times

All levels of debt & equity

Up to 100% funding

a Personal approach

Access to 100+ lenders

Structured, bespoke deals

Quick 
turnaround times

All levels of debt & equity

Up to 100% funding

a Personal approach

Access to 100+ lenders

Structured, bespoke deals

Quick 
turnaround times

All levels of debt & equity

Up to 100% funding

a Personal approach

Access to 100+ lenders

Structured, bespoke deals

Quick 
turnaround times

All levels of debt & equity

Up to 100% funding

a Personal approach

Access to 100+ lenders

Structured, bespoke deals

Quick 
turnaround times

All levels of debt & equity

How Does the Help-to-Buy Scheme Work?

Making a purchase using a Help-to-Buy mortgage is split into three components:

  1. Deposit – You will be required to contribute a deposit of 5% of the property price or more. This is significantly less than the standard deposit contribution.
  2. Shared equity loan – The government will provide a shared equity loan of up to 20% of the property purchase price (40% in London). You must pay back the loan after 25 years or when you sell your home – whichever comes first. The amount you pay back depends on how much your home is worth (the market value).
  3. Mortgage – The remaining 75% (55% in London) of the purchase price will be covered by a residential mortgage.

For example, if you fell in love with a dream property that cost £200,000, you would need to save for a £10,000 deposit, plus additional solicitors fees and stamp duty. A shared equity loan from the government would provide £40,000 and a mortgage would cover the remaining £150,000.

Please note: These details are specific to Help to Buy Wales. Options may differ elsewhere in the UK.

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