Buying Options

About Help to Buy schemes

 As a Help to Buy agent, we help to deliver government affordable home ownership schemes: 

  • Help to Buy: Equity Loan 
  • Shared Ownership 

These government schemes are designed to make it more affordable for people to own their own homes.

Help to Buy: Equity Loan


This is a government scheme for first-time buyers, it provides an equity loan, that you put towards the cost of buying a new build home.

Help to Buy can help first-time buyers to get on the property ladder. If you're eligible for an equity loan, you could borrow between 5%and 20% (up to 40% if you live in London) of the market value of a new build.

You can only apply for an equity loan if you reserve a new build from any of the homebuilders registered with the Help to buy scheme (registered homebuilders)

Learn more about Help to Buy: Equity Loan 

Help to Buy (2021-2023) ends on 31 March 2023. Find out more about when the scheme is closing to new applications in our FAQs.

Shared ownership

Shared ownership helps you to buy a home if you cannot afford all of the deposit and mortgage
payments for a home that meets your needs. You buy a share between 10% and 75% of the home’s
full market value, and pay rent on the remaining share. 

Most shared ownership homes require an initial share purchase between 25% and 75%. When
homes are available for sale under the new model for shared ownership, shares will be available
from 10%. A limited number of these homes will be available in 2021. More will become available
from 2022 onwards.

There are shared ownership schemes designed for specific groups of people:
• Older people’s shared ownership (OPSO)
Home ownership for people with a long-term disability (HOLD) 

Learn more about shared ownership 

Please remember, your home may be repossessed if you do not keep up repayments on your mortgage or other loans secured against it.