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You could buy with a 5% deposit. Find out how much you can afford.
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Buying with Barratt
We’ve put together answers to some of the most frequently asked questions around Help to Buy.
The Help to Buy Equity Loan scheme is available to both first time buyers and existing home owners. You will need a minimum 5% deposit to qualify. There is no maximum household income to qualify for the scheme, and you can purchase a property with a maximum value of £600,000 in England, £300,000 in Wales and £200,000 in Scotland.
The Help to Buy Equity Loan scheme is exclusive to new-build homes only.
The Help to Buy Equity Loan scheme is available in England, Scotland and Wales. The maximum value of the property you can purchase with the scheme differs depending on where in the UK you live. In England, you can buy a property up to a value of £600,000. In Wales, it is limited to £300,000 and in Scotland the limit is £200,000.
With Help to Buy Equity Loan, you only need a minimum deposit of 5% of the value of your new home. The government lends you an equity loan of up to 20% of the value of your home (15% in Scotland, 40% in London), so you’ll only need a 75% mortgage (80% in Scotland, 55% in London). You will not be charged any loan fees on the equity loan for the first five years of you owning your home.
The Help to Buy Equity Loan scheme has been extended until 2021 through a further £8.6 billion in Government funding
 source: gov.uk
The popular Help to Buy Equity Loan scheme has been extended until 2021 through a further £8.6billion in government funding .
No. With the Help to Buy Equity Loan, you purchase 100% of your home and legally own 100% of your home.
Yes. Once you have purchased your home, you can choose at any time to make voluntary part repayments or a full repayment, based on the market value at that time. The minimum voluntary repayment is 10% of the market value at that time.
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Barratt Homes is a trading name of BDW TRADING LIMITED (Company Number 03018173) a company registered in England whose registered office is at Barratt House, Cartwright Way, Forest Business Park, Bardon Hill, Coalville, Leicestershire, LE67 1UF, VAT number GB633481836. Prices correct at time of publishing. Calls to 0844 numbers cost 7 pence per minute plus your phone company’s access charge. Calls to 03 numbers are charged at the same rate as dialling an 01 or 02 number. If your fixed line or mobile service has inclusive minutes to 01/02 numbers, then calls to 03 are counted as part of this inclusive call volume. Non-BT customers and mobile phone users should contact their service providers for information about the cost of calls.