Use Help to Buy (England) to move to your Cala home

The last date homebuyers can reserve homes and apply for the Help to Buy: Equity Loan is 31 October 2022. This should allow enough time for homebuyers to legally buy their homes before the scheme ends on 31 March 2023.

Help to Buy is an equity loan from the Government, enabling first time buyers to obtain a mortgage of between 75% and 85% with as low as a 5% deposit. Interest free for the first five years, you can repay the loan at any time without penalty, or when you sell your home.

Help to Buy is available to first time buyers on new-builds worth up to a maximum price that differs region to region. Please visit the Government’s Own Your Own Home website for more information.  

Equity Loan Assistance from the Government

How does Help to Buy Work?

With the help of Home England's Help to Buy Equity Loan Assistance Scheme, you could soon be able to own your dream Cala home.

Regional Help to Buy Price Calculators

How much could you benefit from Help to Buy (England)?

Cala can currently offer Help to Buy in South East England and East of England only

Homes England Help to Buy: Equity Loan (2021 – 2023) Guidelines

Help to Buy: Equity Loan (2021-2023): Eligible homebuyers can borrow 5% to 20% (40% in London) of the market value of a newly built home. Regional property price limits will apply. The equity loan is interest free for 5 years; monthly interest payments start at 1.75% and rise each year in April by the Consumer Price Index (CPI) plus 2%. Pay a £1 monthly management fee from the start. Repay your equity loan at the end of your mortgage or equity loan term, when you sell your home or any time before. The lender, Homes England, secures the equity loan as a second charge on your home. Help to Buy is subject to eligibility, terms and conditions: Your home may be repossessed if you do not keep up repayments on your repayment mortgage, equity loan or other loans secured against it.

CALA Homes