How to apply

The Help to Buy: Equity Loan for first time buyers and home movers is ending on 31 March 2021. To qualify for this equity loan you must legally complete buying your home by 31 March 2021.

Registered house builders advertise Help to Buy homes for sale on their developments. You must reserve your home with the house builder and pay the fee which should be no more than £500.

After you’ve reserved your home, contact a Help to Buy agent who will help you to apply for an equity loan and check you can afford it. They are appointed by the government and will guide you through your purchase.

Also consider getting independent advice from professionals such as:

  • a mortgage or financial advisor who can help you to arrange your mortgage
  • a solicitor to check your equity loan agreement and prepare the legal documents to buy your home.
  • the Money Advice Service and other useful contacts.

A new Help to Buy scheme for first time buyers only starts on 1 April 2021 to 31 March 2023. See eligibility for further details.