First Time Home Buyers

A new Help to Buy: Equity Loan scheme open to first-time buyers only will be available for two-years from 1 April 2021.

The Help to Buy scheme will end on 31 March 2023. To find out more, visit


Buying your first home?

First time buyers can often find buying their first home a daunting process - we're on hand to offer support and guide you through the journey into your first step on the property ladder.

Did you know, first time buyers in England can move with as little as 5% deposit! From December 2020 eligible first time buyers can apply for the new Help to Buy scheme, which runs until March 2023.

Much like the previous scheme, the Government will offer you a 20% equity loan against the value of your home (capped at £186,100 in the North East, £224,400 in the North West & £228,100 in Yorkshire and Humber).

You can find out more about the new Help to Buy scheme below:


You need a minimum of 5% deposit, the government scheme will loan you 20% of the purchase price, meaning you only need a 75% mortgage.

The new Help to Buy Scheme is only available to first-time buyers and is subject to regional price-caps. you can find out more about these at or through your financial advisor.

No. The scheme prohibits renting, or sub-letting the home after you move in.

No. Help to Buy is not available in conjunction with any other purchase schemes.

To find out more, you can talk to an independent financial adviser prior to your reservation, or visit