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What is Help to Buy?

The Government created the Help to Buy scheme to support people in buying their own home. Whether you want to get onto the housing ladder or move up it, the scheme can enable you to buy a new-build home with as little as a 5% deposit.

If you can raise that 5% deposit, you could receive a Government equity loan of up to 20% of the purchase price or 40% in Greater London. The loan is interest free for the first 5 years, which helps to make your monthly mortgage repayments more affordable.

Help to Buy has a £600,000 maximum price limit, but fortunately most of our new homes fall within that bracket. 

View the video below to find out more and hear about Laura's experience with Help to Buy:


Calculate your Deposit

Use our Help to Buy calculator below to find out how much deposit you may need to buy your new home and what your mortgage amount could be:

Help to Buy has a few special requirements:

  • It covers full home ownership only, and is therefore not available for shared equity or shared ownership.
  • It is available for the purchase of a person’s primary home only, so not for second homes, investment or buy-to-let purchases.
  • It only applies to capital repayment mortgages rather than interest-only mortgages.
  • Buyers must not receive help with their deposit from a local authority or other public body.
  • A HomeBuy agent check will be required.


*20%/40% loan is interest free for the first 5 years.  5% deposit is applicable with the Government’s Help to Buy scheme.  Calculation above is indicative only.  Available on selected plots only.  Buyers will need to have sufficient funds to pay legal and sundry costs.  Equity deposit percentage may be subject to lender’s and Government criteria.  Prospective buyers should always seek independent financial advice before proceeding.  Countryside works with a number of independent financial advisers who are able to provide appropriate advice.  Countryside terms and conditions apply.  Subject to status.