Help to Buy Calculator

Calculate your deposit and mortgage requirements for government home buying schemes

Help to Buy Schemes Explained

Equity Loan

  • 20% government loan (40% in London)
  • Interest-free for first 5 years
  • Must repay when selling or after 25 years
  • Available on new-build properties only

Shared Ownership

  • Buy 25-75% share initially
  • Pay rent on remaining share
  • Can buy additional shares later
  • Available on new and resale properties

Related: Read our first-time buyer guide and affordability calculator.