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Help to Buy
Income boosters and deposit boosters are not available with Help To Buy.
We accept applications using this scheme in England & Wales only.
We do allow applications from customers using the Government Help to Buy scheme. Available on new build houses/flats in England up to £600,000 and in Wales up to £300,000.
Minimum 5% deposit
Maximum loan from Generation Home 75% LTV.
The remainder up to 20% of the loan is funded by the Government through an equity loan, which is interest-free for the first five years. Interest is charged from year six and the equity loan will run for 25 years.
To ensure that the loan is affordable, we will introduce an additional expense into the Loan Sizing Calculator which will be 2% of the equity loan on an annual basis. Please ensure you add this as a commitment.
The equity loan provider would be permitted to have a second charge on the property. No other charges will be permitted.
Help to buy remortgage
We accept applications in England and Wales only.
We will allow capital raising to purchase a further share in the property subject to meeting criteria.