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Help to Buy

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The Government's Help to Buy scheme is now available in England, Scotland and Wales.

There are currently two Help to Buy schemes – 'Equity Loan' and 'Mortgage Guarantee'.  Both require a 5% deposit and are available to first time buyers and existing homeowners. Beyond that, the schemes are very different and here’s how:


Help to Buy Equity Loan

Available on new build homes up to £600,000 in England, £400,000 in Scotland and £300,000 in Wales.

The Government will lend you up to 20% of the property value through an equity loan which can be repaid at any time during the loan term or on the sale of your home.

In England and Wales, you won’t be charged any loan fees for the first 5 years of owning your home.  In Scotland, there are no loan fees to be paid.

You’ll only need to secure up to a 75% mortgage from a bank or building society.


Help to Buy Mortgage Guarantee

Available on new build homes and existing homes up to £600,000 in England, Scotland and Wales.

You’ll need to secure up to a 95% mortgage from a participating mortgage lender.

The lender can now offer this loan-to-value mortgage as the Government will provide them with a guarantee of up to 15% of the property value.

Buying a new Clutton Home makes sense. Our homes are intelligently designed with you in mind and provide spacious open plan living for either growing families that need more space or entertaining friends. We are committed to making your new house purchase as cost saving as possible and use energy efficient materials and building techniques which could help lower your bills and running costs.

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