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First Time Buyer Mortgages
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Help To Buy

Who are we?

Home Buying Guide is a free to use service with the aim of helping first time buyers get onto the property lender.

How we can help you

The UK has a range of government backed housing schemes aimed to make home ownership more accessible, especially for first-time buyers.

Explore the current home ownership schemes available in the UK. If a scheme has expired, we also offer specalist lender schemes.

Buying guides

We provide a list of useful first time buyer guides to help you on your journey. We also offer savings and Insurance advice.

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0333 091 2050

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Help To Buy: Equity Loan scheme

Since its inception on April 1, 2013, the Help to Buy: Equity Loan scheme has facilitated the purchase of over 387,000 homes in the UK. This initiative was designed to assist first-time buyers and those moving up the property ladder by providing an equity loan from the government.

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Key Statistics

Between 1 January and 31 March 2021:

15,341 properties were bought with an equity loan, an increase of 61% from the same period in 2020.

From 1 April 2013 to 31 March 2021:

328,506 properties were bought with an equity loan.

The total value of these equity loans so far totals £20.1 billion.The value of the properties sold under the scheme totals £91.1 billion. 82% of all completions are by first-time buyers.

These statistics highlight the significant impact and widespread usage of the Help to Buy: Equity Loan scheme over the years.

The Help to Buy scheme has played a crucial role in making homeownership more accessible, particularly for first-time buyers, by lowering the initial financial barriers and providing substantial government support. The scheme has ended now however there are other schemes that could help you.

My Help To Buy Loan Is EndingSo What Next?

Before making any decisions, review the terms of your Help to Buy equity loan. Typically, the loan was interest-free for the first five years. From the sixth year onwards, you’ve likely started paying interest on the loan. Knowing the exact terms, including the interest rate and the amount you owe, will help you make informed decisions. We provide a complete guide on what to do next.

What Happens When I Sell My Help To Buy Home?

When you sell your Help to Buy home, unless you have already repaid your Help to Buy equity loan, you will need to repay Homes England’s equity loan at the same time. Click here to find out more.

How to Remortgage on Help to Buy?

If you’re looking to remortgage and are part of the Help to Buy scheme (which is no longer accepting new applications), you might encounter some difficulties. We’ll discuss the main challenges you might face and how to address them. Click here

Help To Buy Blog

Stay up to date with advice from our blog.