You could move with as little as 5% deposit with the Government-backed equity scheme ‘Help to Buy’, which applies to all our homes in England up to the value of £600,000.



help to buy exampleAvailable to first-time buyers and people already on the property ladder, you’ll need just a 5% deposit and a repayment mortgage of up to 75% of the value of the property. The remaining 20% of the full purchase price is lent to you by HM Government in the form of an equity loan. You won’t be charged interest on the 20% equity loan for the first five years of owning your home.

What is Help to Buy and how can it help you?

help to buy

The HM Government-backed Help to Buy scheme

  • Help to Buy: Equity Loan is available on new-build properties in England up to £600,000
  • There’s no household annual income limit and it’s available to all types of home buyers
  • You only need a minimum 5% deposit and no more than a 75% repayment mortgage
  • HM Government will lend you an equity loan of up to 20% of the full purchase price of the home, it’s interest-free for the first five years
  • You can repay your Help to Buy Equity Loan at any time, when you sell your home,or you can wait until the end of its term

5% deposit + 20% equity loan + 75% mortgage = 100% home ownership


Where is Help to Buy available?

Help to Buy is available across all Leading Homes developments in England on homes up to £600,000

Are there any fees to pay?

The loan from HM Government is interest free for the first five years. From year six a fee of 1.75% is payable and will rise annually by RPI inflation plus 1%. A mortgage application fee might be applicable and of course you’ll need to remember the interest on the 75% mortgage.  

What are the repayment terms of the equity loan?

You can repay the Help to Buy equity loan at any time or when your mortgage expires after 25 years (or whatever the term is) or when you sell the property

Can I get Help to Buy if I buy pre-owned homes?

No. Help to buy is only available on new homes. Another good reason to opt for a new home from Leading Homes.

What happens if I already own a home?

You can still use Help to Buy even if you are selling your existing home. Contact us about our Assisted Sale scheme.

Can I use Help to Buy on a buy to let property?

No. Help to buy is only for people who intend to use their home as their primary principal residence.

Can I use any type of mortgage product?

You can only use a repayment mortgage with Help to Buy. 

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