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We do accept applications using the Help to Buy scheme in England & Wales only.

What is the current Help to Buy scheme?

First-time homebuyers who meet the Help to Buy affordability and lending terms can borrow an equity loan of up to 20% (40% in London) of the sale price of a new build home.

The maximum purchase price depends on which region the property is in:

You must fund at least 80% (60% in London) of the sale price with a mortgage and at least a 5% deposit.

For further information, go to HM government website.

To ensure that the loan is affordable, you will be required to add an additional commitment (2% of the equity loan on an annual basis) under ‘other’ commitments, which will be included within our affordability calculations.

The equity loan provider would be permitted to have a second charge on the property. No other charges will be permitted.

Help to Buy Remortgages