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Help to Buy

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

Backed by the Government, this shared equity scheme will allow you to secure your new home by way of a low deposit and a 20% equity loan from the Government.


Help to Buy is open to all buyers, not just first time buyers who are looking to buy a new home. If you have a minimum deposit of just 5% and meet the mortgage lender’s affordability criteria, you may be able to buy your new home using this scheme.

How does it work?


  • The Government will lend you up to 20% of the value of your new property through an equity loan.
  • Therefore, you only need to secure up to an 80% mortgage from your lender.
  • You will own 100% of the property.
  • The Government equity loan must be repaid after 25 years, or when you move, whichever happens first.
  • There is nothing to pay on the equity loan for the first five years. In the 6th year, interest will be payable at a rate of 1.75% (increasing in subsequent years at RPI + 1% per annum).
  • The scheme is available on new home developments only.
  • You will need a minimum of a 5% deposit.
  • The maximum purchase price is £600,000

**This scheme is available at all developments, but may not be available on all properties. Please speak to our sales advisors for details.


Over the period since the launch of the Help to Buy: Equity Loan scheme (1 April 2013 to 31 March 2017), 120,864 properties were bought with an equity loan. 


Most of the home purchases in the Help to Buy: Equity Loan scheme were made by First Time Buyers, accounting for 97,578 (81 per cent) of total purchases. 


For more information please visit the Help to Buy website.

Download Brochure

Or simply speak to one of our Sales Negotiators

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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