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Am I eligible for Help To Buy?

You can get an equity loan if you're:

  • A first time buyer
  • An existing homeowner
  • Buying a new-build home that costs less than £600,000

This scheme is only available if you live in England.

There are similar schemes available in Scotland, Wales and Northern Ireland.

If you're buying a new home with a Help to Buy equity loan you cannot:

  • Own any other property anywhere else in the world
  • You also need to:
  • Be a UK resident
  • Have a valid National Insurance Number
  • Not have another active cash ISA alongside your Help to Buy ISA.

To be able to get the government bonus on your Help to Buy ISA, your property must be:

  • In the UK
  • Your only property
  • The property you are going to live in
  • Worth up to £250,000 outside of London
  • Worth up to £450,000 in London
  • Bought using a mortgage

You can use a Help to Buy ISA as well as a Help to Buy equity loan, as long as you meet all the criteria for both schemes.


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