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Help to Buy

Are you looking to buy your first home? Are you ready to move up the property ladder? Help to Buy could help you.

Help to Buy is a government backed mortgage scheme which helps first time buyers and existing homeowners purchase a home with as little as 5% deposit.

Help to Buy Equity Loan

How it works:

  • You get together your 5% deposit.
  • The government lends you up to 20% of the property value (up to 40% if buying within Greater London).
  • You’ll need to secure up to a 75% mortgage.
  • The loan is interest free for the first 5 years and then charged thereafter.

Who it’s for:

  • First time buyers and existing homeowners are eligible.
  • It must be your only property.

Help to Buy Affordable New Build Scheme in Scotland

In Scotland Help to Buy only applies to those who are buying a new build home from participating home builders. The scheme is open to first time buyers and existing homeowners. Participating lenders are likely to require you to have a deposit of 5% of the property price. The Scottish Government will help eligible buyers by taking an equity stake of up to 15% of the purchase price. 

Help to Buy in Wales

Help to Buy – Wales is a shared equity loan scheme designed to help first time buyers and existing home owners in Wales purchase a new-build home up to a value of £300,000, with as little as a 5% deposit. The Welsh Government will fund a shared equity loan for up to 20% of the purchase price.

Please note

Terms and conditions apply to all Help to Buy schemes. 

Try our calculator to give you an indication of the amount of mortgage that you will require based on your property price.


Loan value


Embrace Financial Services usually charges a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.