Help to Buy

Own your home with as low as a 5% deposit. Find out more about the government initiative designed to support first time buyers and existing homeowners.

Help to Buy in England

We’re delighted to bring homebuyers the good news that, with the help of the Homes and Communities Agency’s (HCA) Help to Buy equity loan assistance scheme, you could soon be able to buy your dream CALA home. 

Help to Buy is an initiative for homebuyers who need help with deposit funds, enabling them to obtain a mortgage of between 75% and 85% with as little as a 5% deposit, plus the option to purchase additional equity. For example if you originally purchase an 85% stake in your new CALA home, you can increase it at any time. The minimum voluntary repayment is 10% of the market value at the time of repayment. 

If you’ve been admiring the interest rates available on 75% to 85% mortgages, but thought you would never be able to secure one due to insufficient deposit funds, Help to Buy equity loan assistance could make your home affordable. 

 

Find out more

Help to Buy (Scotland)

We’re delighted to bring homebuyers the good news that, with the help of the Scottish Government’s Help to Buy (Scotland) scheme, you could soon be able to buy your dream CALA home. 

Help to Buy (Scotland) Scheme is an initiative for homebuyers who need help with deposit funds, enabling them to obtain a mortgage of between 80% and 85% with as little as a 5% deposit, plus the option to purchase additional equity. For example if you originally purchase an 85% stake in your new CALA home, you can increase it to 90%, 95% or even 100% at any time.  

If you’ve been admiring the interest rates available on 80% to 85% mortgages, but thought you would never be able to secure one due to insufficient deposit funds, Help to Buy (Scotland) Scheme loan from the Scottish Government could provide the assistance you need.  

 

 

Find out more