Help to Buy England is changing…and here’s what you need to know.


The Help to Buy Equity Loan was introduced in 2013 to help those struggling to get onto the property ladder. The scheme entitled home buyers to:

  • A government loan of up to 20% of the purchase price of your new build home (this increases to 40% if you’re buying in London).
  • Buyers must have a minimum 5% deposit – the remaining 75% will be made up from a Help to Buy mortgage product.
  • The equity loan from the government is interest free for five years and no repayments are required during this period.
  • The current scheme is open to existing homeowners and first-time buyers and is only available on new build homes.

When the current scheme ends on 31st March 2021 there will be some important changes to consider. These changes include:

  • Only first-time buyers will be able to use the new Help to Buy Equity scheme.
  • Regional price caps will be introduced. The caps have been set at 1.5 times the average first-time buyer price in each region.

Everything else remains unchanged. The new Help to Buy Equity Loan will run from April 2021 to March 2023. To benefit from this new scheme, you can begin your Help to Buy application from Tuesday 15th December, but your purchase cannot complete until April 2021.

What are the new regional price caps?


Price cap

South West


South East




East of England


West Midlands


East Midlands


Yorkshire and The Humber


North West


North East



I’m interested, what do I do next?

Most of our developments across England offer the Help to Buy Equity Loan scheme and our sales team are more than happy to talk it through with you in more detail. Explore our developments and speak to our team directly.

Where can I find out more about the Help to Buy Equity Loan?

To find out more, you can refer to the official government website.




Find out more about our developments in Brooklands

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