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Government’s Help to Buy Scheme

The aim of the Scheme is to help first-time homebuyers into home ownership who are unable to access affordable loan to value mortgages due to having insufficient deposit. The scheme is available to first time buyers over the age of 18 buying a home in England.

To apply for the scheme, you must be:

  • aged 18 or older
  • a first-time buyer

You cannot:

  • own a home or land anywhere in the world now or in the past
  • have had any form of sharia mortgage finance
  • own a home bought with other people or inherited
  • be married or in a co-habiting relationship, either now or on legal completion with anyone who owns or has owned a home or land anywhere in the world
  • buy a second home

If you are married or in a co-habiting relationship, you will have to make a joint application with your spouse or civil partner, and both live in the home as your only residence.

There are price limits on homes you can buy with an equity loan. The limit is different for each region in England.

For more information about the Help to Buy scheme and the options available to you, please visit

If you require any further information on this scheme or a similar scheme, please do not hesitate to contact us.

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