Help to buy


Help to Buy [HTB]

Help to Buy London
The Help to Buy London scheme was set up in February 2016 and is available for all London Boroughs. It is aimed at first-time buyers to purchase new build properties with an equity loan of up to 40% for London. You will need a minimum of 5% and the remaining 55% is provided by a mortgage lender. This equity loan is then re-payable to the government when you sell the property.

Help to Buy Equity Loan
The HTB Equity Loan scheme is available for new build properties with a purchase price of up to £600,000.

Similar to the HTB London scheme, the government will lend you up to 20% of the cost of a new build home. You will need a 5% cash deposit and and the balance will be a 75% mortgage.

HTB Charges?
For the first 5 years the loan is interest free [there is £1 per month charge applicable]. From year 6 there is an interest fee of 1.75% payable on the equity loan and this will rise annually with the Retail Price Index [RPI] plus 1%.

Who is eligible for HTB Equity Loan and HTB London?
Either scheme is available if you’re a first-time buyer or a homeowner who wants to sell up and move, and you want to buy a brand new home with a purchase price of up to £600,000. If you own any other property, including a second home or any rental properties you will not qualify for the scheme.

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