Help to Buy - Equity Loans and Shared Ownership

Looking for a more affordable way to buy a home? Help to Buy Equity Loans and Shared Ownership could help you.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The government’s Help to Buy schemes are designed to give those eligible a leg up on to the property ladder or even to make taking your next step a little easier.

If you’re looking to buy a new-build home then a Help to Buy Equity Loan could be ideal as a government loan means you need a smaller mortgage. Help to Buy Shared Ownership offers an alternative as you buy a share of the home and pay rent on the rest, meaning you typically need a smaller deposit.

At a glance

Equity Loan

  • A government loan funds part of the purchase cost of a new-build home
  • A minimum 5% deposit required
  • Available to first time buyers and those moving home

Shared Ownership

  • You buy a share in a home and rent the rest from a housing association
  • A minimum 10% deposit required
  • Available to first time buyers and those moving home

View our products

Help to Buy

We have a range of mortgages available for Help to Buy starting with a minimum 5% deposit.

Help to Buy products

Shared Ownership

We have a range of mortgages available for Shared Ownership starting with a minimum 10% deposit.

Shared Ownership products

The schemes in detail

Ready to apply?

For an affordability check, Decision in Principle or to talk to us about our mortgage products please call us on

0345 607 9825

You might also be interested in...

First Time Buyer

Thinking about getting the keys to your first home is exciting, but finding a mortgage that’s right for you is essential.

Find out more

Affordability calculator

Our affordability calculator will give you an idea of how much you might be able to borrow.

How much could you borrow?

Lifetime ISA

Tax-free savings account designed to help you buy your first home or save for retirement.

Lifetime ISA
Version Info: