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What is Help To Buy?

Help to Buy is a government scheme to help people who are finding it hard to buy their first home or move up the property ladder.

Many people struggle to save a deposit for a house or to get a mortgage that covers the cost of a property in their area.

You can use a Help to Buy ISA or a Help to Buy equity loan to make buying a property easier.

With a Help to Buy equity loan, the government will lend you money, interest free, for a fixed period of five years. If your loan is not repaid after the five years, you will start paying interest after this initial fixed period.

With a Help to Buy ISA you set up your own ISA, which the government will then pay into.


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