Help to Buy is changing

The popular Government-backed Help to Buy scheme in England is changing soon.* We’ve put together this handy guide to explain more.

What is Help to Buy and what's changing?

Currently, both first-time buyers and existing homeowners can use Help to Buy to purchase new build homes in England up to the value of £600,000, with just a 5% deposit. The rest is made up of a 75% mortgage, and a 20% equity loan provided by the Government.

There will soon be changes to the way that Help to Buy in England works:

  • Only first time buyers will be eligible to use the scheme.
  • The maximum price of eligible homes will be reduced in most areas, and will vary regionally**.

For more information on how the scheme currently works in Scotland, Wales and London, click on the relevant link.

What is the new regional eligibility criteria?

New rules will be brought in across England from April 2021, affecting the maximum price of homes available with Help to Buy. This will mean that only first time buyers purchasing new homes to a maximum, regional price, will be eligible to apply.



Anticipated price cap for properties eligible for Help to Buy Equity Loan scheme from April 2021 to March 2023

North East


North West


Yorkshire and The Humber


East Midlands


West Midlands


East of England




South East


South West


Source: HM Treasury analysis
Please note: the regional prices caps stated above have currently not been confirmed by the Government.

How can I buy a new home now, without missing out?

If you’re an existing homeowner or looking to use Help to Buy to purchase a new home up to £600,000 outside of London, there’s still time to secure your ideal Barratt home with Help to Buy. But you’ll need to act quickly or risk missing out.

Plus, if you need help selling your existing home talk to us about Movemaker. We could help sell your current property, so you can move faster. 

Search for a new home today and book an appointment online at a time to suit you, so that you can discuss the next steps with our friendly Sales Advisers.

Sales Adviser

Terms and conditions:

Click here for full Terms and Conditions of the existing Help to Buy scheme. 

** The cap for properties in London will remain at £600,000.