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Help to Buy

Buy your new Chestnut Home for just 80% of the price with a 5% deposit!

Help to Buy makes purchasing more attainable, enabling you to buy a brand-new Chestnut Home sooner than you think.


Buy a new home in Lincolnshire with just a 5% deposit for a house up to £261,900.



  • You only need a 5% deposit
  • Available for new build homes
  • Available to first-time buyers only
  • You will own 100% of your home
  • The Government provides a ‘Help to Buy Equity Loan' for up to 20% of the value of the property.
  • This equity loan is interest-free for 5 years and can be repaid at any time within 25 years or on the sale of your home.
  • You then need to secure up to a 75% mortgage.
  • We can introduce you to a (potentially fee-free) New Home Mortgage Adviser who’ll search the market to find you a great deal.



You won’t be charged loan fees for the first 5 years of owning your home. In the 6th year, you’ll be charged a fee of 1.75% of the loan’s value. After this, the fee will increase every year for up to 20 years. The increase is worked out by using the Retail Prices Index plus 1%.



Frequently Asked Questions…


Who is eligible for Help to Buy?

The current Help to Buy Equity Loan scheme is available to first-time buyers. You will need a minimum 5% deposit to qualify. There is no maximum household income to qualify for the scheme, and the maximum property price will vary in England, depending on the regional price cap. You can purchase a property with a maximum value of £261,900 in Lincolnshire

The Help to Buy Equity Loan scheme is exclusive to new build homes only.


How does Help to Buy Equity Loan work?

With Help to Buy Equity Loan, you only need a minimum deposit of 5% of the value of your new home. The Government lends you an equity loan of up to 20% of the value of your home (15% in Scotland, 40% in London), so you’ll only need a 75% mortgage (80% in Scotland, 55% in London). 


How long will the Help Buy scheme run for?

The current scheme will be available until March 2023.


Is Help to Buy a shared ownership scheme?

No. With the Help to Buy Equity Loan, you purchase 100% of your home and legally own 100% of your home.


Can I pay off the equity loan before the end of the first 5 years?

Yes. Once you have purchased your home, you can choose at any time to make voluntary part repayments or a full repayment, based on the market value at that time. The minimum voluntary repayment is 10% of the market value at that time.


Help to Buy is available subject to eligibility, terms and conditions.  


For more information please visit the Help to Buy website.

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Help to Buy Calculator






25 years
35 years



Your results

Your deposit: 5%
Help to buy loan: 20%
Your mortgage: 75%
Purchase price:
Help to buy explained

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBT SECURED ON IT. Credit is secured against your home. *Subject to status, Help to Buy Terms & Conditions are available on selected properties in England only. Eligible applicants will be offered an equity loan up to a maximum of 20% of the purchase price (based on the open market value). Applicants are required to fund at least 80% of the purchase price by means of a conventional mortgage, savings/deposit where required. The equity loan is provided by the HCA and held as a second charge. This offer is not available in conjunction with any other promotion. Full details will be provided on request.

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