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Purchase a New Build Home with a 5% deposit

The government's Help to Buy equity loan scheme can help first time buyers get on the property ladder and home movers into a more suitable property by supplementing the buyer's deposit with a government loan. Borrowers only require a deposit of 5% of a property's value to qualify for a 20% loan with the final 75% obtained through a mortgage lender.

Loan payments are interest-free for the first five years, allowing borrowers to stabilise their lives and finances before worrying about repayments, and are then charged at a rate of 1.75% per year. The equity loan scheme is eligible for the purchase of certain new build properties in England worth up to £600,000.