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Help to Buy (Wales)

Buy now with just 5% deposit

Help to Buy (Wales) allows an eligible buyer to purchase a brand new property, funded by an affordable mortgage and help from the Welsh Government.

Help to Buy (Wales) gives you the chance to buy a new home with the assistance of an equity stake. The value of the stake is a maximum of 20% of the full price of the property. The maximum full purchase price is set at £300,000. Help to Buy (Wales) is open to all buyers including existing home owners and first time buyers.

Under the scheme the government provides an equity stake as follows:

  • The Welsh Government provides an equity stake of up to 20%
  • You arrange a mortgage for up to 75%
  • Meaning your deposit is just 5%


Are you eligible for Help to Buy?

To be eligible for a Help to Buy (Welsh) property, you should:
  • Be a home buyer looking to buy a new build home
  • Be able to demonstrate access to savings or funds to pay a deposit of 5% plus usual cost of moving home which includes legal fees and stamp duty
  • Have a good credit history
  • Take out a mortgage with a qualified lender (e.g. a bank or building society) 

Independent financial advice

Financing your new home can be exhausting – contacting endless mortgage lenders, not sure where to start, let us help.

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Search for your dream home:

Available at

Our Help to Buy (Wales) offer is currently available at the following developments:

Terms and conditions apply

Help to Buy (Wales) is only available on selected homes at selected developments in Wales up to a value of £300,000. Eligible applicants will be offered an equity stake of up to a maximum of 20% of the full market price. The Welsh Government will hold the second charge on the property. Applicants are required to fund at least 80% of the purchase price by means of a mortgage and any deposit where required. The maximum you can borrow from HtBW under this scheme is £60,000. There is no minimum amount. Buyers must provide a deposit of a minimum of 5% of the purchase price of the home bought under this scheme. After five years you will be required to pay interest at 1.75% of the market value of your shared equity loan at the time you purchased your property, rising each year after that by the increase (if any) in the Retail Prices Index (RPI) plus 1%. More details are on page 15. The loan itself is repayable after 25 years or on the sale of the property if earlier, or in certain other circumstances. You must pay a monthly management fee of £1 per month from the start of the loan until it is repaid. The total amount payable by you will be the proportion of the market value of your home that was funded by this loan, plus interest and charges. The amount you will have to repay under the loan agreement will depend on the market value of your home when you repay the shared equity loan and the rate of inflation in the meantime. Your home may be repossessed if you do not keep up your repayments on your mortgage. Help to Buy is not available for part-exchange or buy-to-let.

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