Help to Buy

The government-backed Help to Buy scheme supports first time buyers, by providing an equity loan of up to 20% of the property's value. The loan is interest free for the first five years, after which interest is charged at 1.75%. The interest you pay will increase each year by the Consumer Price Index (CPI) plus 2% (1% if you took the equity loan before December 2019).

The buyer must put down a 5% deposit and take out a mortgage to cover the remaining amount. The scheme applies to new-build homes only and it must be the buyer’s main residence. The loan has a term of 25 years, but you’ll need to repay it earlier if you sell your home.

Help to Buy is a great way for first-time buyers to take their first step onto the property ladder and start building equity in their home.

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Where and how we meet depends on whatever’s most convenient for you, but we have a number of locations around the UK if you’d prefer to come to us.

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We provide a complete range of financial services with specialists in every category so that we can match you with the most suited adviser for your needs

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Registered in England and Wales

Amber River Group Limited is not authorised to give financial advice. The financial planning businesses who are part of the Amber River Group are separately authorised businesses and therefore able to give advice.

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