Help to Buy Equity Loan

You could buy your new home with a deposit as low as 5%.

The Help to Buy Equity Loan scheme can help you buy a new home by lowering the amount you need to arrange a mortgage for.

The Government lends you up to 20% (up to £120,000) of the cost of your new home so you need a cash deposit of at least 5%, and a mortgage for the other 75%.

The Government won't charge loan fees on the 20% loan for the first five years of owning your home, after this interest fees are required. You'll also be required to pay a monthly management fee of £1 per month from the start of the loan until it is repaid.

For more information see the Government’s Help to Buy Buyers Guide.


Am I eligible?

The equity loan is open to first time buyers and home movers buying a new built home under £600,000. You must have a deposit of 5% or more and arrange a repayment mortgage valued at between 25% and 75% of the market value of the home.

The current scheme will end in March 2021, after which a new Equity Loan will replace it but with revised details including eligibility and price caps. If you're not eligible for the new scheme your home purchase must be complete before 31 March 2021.

Find out more

Find your dream home and reserve

All our new homes for sale, with a value of up to £600,000, are eligible for the Help to Buy Equity Loan. Our homes page sets out which of our communities have homes available to reserve. Our Customer Host team can help you choose your new home from one of our growing communities in Oxfordshire.

Discover homes

Register and Apply with Help to Buy

Once you’ve reserved your home with us head to the Help to Buy website to register online for the Equity Loan scheme. They advise the online application process will take around an hour, and you'll need a printer and scanner to sign and upload the required documents. A Financial Advisor will be able to help you with this or apply on your behalf.

Register and Apply

Help to Buy Equity Loan