Help to Buy England

With Help to Buy, you could buy a brand-new home sooner than you think.

• You only need a 5% deposit
• The Government loans you up to 20% of the value of the property (a big boost to your deposit)
• The loan is interest-free for five years, making your dream home more affordable.
• You only need to secure a 75% mortgage

There are a range of competitive mortgage rates available with this scheme, so it’s worth comparing lenders to find the best deal. We can introduce you to a (potentially fee-free) New Home Mortgage Adviser who’ll search the market to find you a great deal.

Homes that qualify

The scheme is available exclusively on new build homes up to the property value of:

• £600,000 in England
• £300,000 in Wales
• £200,000 in Scotland

This page provides information about Help to Buy in England, outside of London. The scheme works slightly differently in London, Scotland and Wales. View our location-specific pages to find out how Help to Buy works where you are.

Help to Buy Wales            Help to Buy Scotland            Help to Buy London

Most people know that Help to Buy is available for first time buyers, but existing homeowners can benefit too.

There are a few important conditions:

• the home you buy must be your only residence
• the scheme isn’t available for buy-to-let investors 
• the scheme isn't available to those who will own any other property after completion.

Call us on 0330 057 6000 and we can introduce you to a Sales Adviser, who will tell you if you qualify for the scheme.

We’ve created a short video to help explain what Help to Buy is, how it works and who is eligible.

Use our Help to Buy calculator to see how the scheme could work for you, then start searching for a beautiful Barratt home within your budget.

Use the search bar at the bottom of the page to book an appointment at a development near you.

Want to know more?

Take a look at our Help to Buy FAQs

Click here for the full Terms and Conditions.