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Help to Buy –
own a new home with just 5% deposit

Happy father, mother, and child
Help to Buy - Wales logo

What is
Help to Buy?

How it works

Help to Buy – Wales is backed by the government and is designed to help people purchase a new-build home up to the value of £300,000 in Wales.

As of 1st April 2023, any homes bought under the scheme need to meet a minimum EPC rating of B. The scheme has also been extended through to 31st March 2025, with the date of 19th December 2025 set as the final date for legal and practical completion.

Find my Home

For a property worth £250,000





Cash Deposit


Shared Equity Loan


Your Mortgage

How does it work?

With a Help to Buy - Wales equity loan, you can purchase your newly built home with just a 5% deposit.

As part of the scheme, the Government lends you up to 20% of the cost of your home, meaning that you’ll only need a 75% mortgage to make up the rest.

For the first five years, the Government’s share of the loan is completely interest free. You must repay the Help to Buy loan after 25 years, or earlier if you sell your home, repaying the same percentage of the proceeds of the sale of your home (i.e. if you received 20% on purchase, then you must pay 20% of the proceeds of the future sale).

Help to buy steps


Find and reserve your Ashberry home


Apply for your mortgage with Help to Buy - Wales


Receive your mortgage offer


Move into your brand new Ashberry home

Everyone had great communication, were really friendly and approachable. We would definitely recommend Ashberry.”

Michael and Charlotte - Pirton Fields

Mother in kitchen with son

You own 100% of your home

Please refer to our dedicated guides for information regarding England and Forces.

Help to Buy FAQs

Are there any restrictions under the scheme?

The property you purchase using Help to Buy - Wales must be your only home and you must live in it.

You cannot use Help to Buy - Wales in conjunction with part exchange on an existing home.

If you already own a home you will have to sell it before using Help to Buy - Wales.

Any mortgage used in conjunction with Help to Buy - Wales must be a repayment mortgage (not an interest-only mortgage).

You must seek permission to extend, or alter the property purchased using Help to Buy - Wales.

As of 1st April 2023, the home you purchase must be EPC rated B or above, and can be worth up to the value of £300,000.

Purchases prior to 1st April 2023 retain the requirement for legal and practical completion before 22nd December 2023.

Can I buy any home using Help to Buy - Wales?

The scheme is only available to new-build homes, and price caps apply. In Wales, the scheme is available on new-build homes priced up to £300,000.

How much deposit do I need?

You need a 5% deposit.

How much can I borrow using Help to Buy - Wales?

In Wales, you can borrow up to 20% of the cost of the home, with a maximum property price of £300,000.

Is the equity loan interest-free?

Help to Buy - Wales is interest-free for the first five years, however, there is a management fee of £1 per month until the loan is repaid. After five years interest will apply – currently 1.75% in year six, then 1.75% and any increase in the Retail Prices Index (RPI) plus 1% each subsequent year.

When do I have to repay the loan?

When using the Help to Buy - Wales scheme, the shared equity loan needs to be repaid within 25 years, or if earlier, when you sell your home. However, you are able pay off the shared equity loan at any point within that period.

Can I repay the loan early?

You can pay back all, or part, of the loan at any time, with a minimum of 10% of the prevailing market value of your home.

Find your perfect Ashberry home

*YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT. Help to Buy is subject to the Homes and Communities Agency’s (HCA) terms and conditions and is available on new build homes on selected Ashberry Homes developments where the property represents your only residence. Help to Buy is available to first-time eligible buyers only and is subject to maximum regional price caps. HomeBuy agent eligibility checks are required. The equity loan is interest free for the first five years. If you are an eligible first-time buyer, the Government will lend you a minimum of 5% and up to 20% (or up to 40% in London) of the market value of your new build home. You start to pay interest from year six, on the fifth anniversary of your equity loan and this is calculated at a rate of 1.75% of the equity loan amount. The interest rate will rise each year thereafter in April by the Consumer Price Index (CPI), plus 2%. The interest you pay during the life of the equity loan does not reduce the amount you owe. The amount of interest you pay will reduce if you make part repayments. Interest will be worked out on the amount of equity loan left to pay. You may be charged interest on overdue money and pay administration fees to make changes to your equity loan. When your equity loan starts you must pay a £1 monthly management fee, this is paid for the life of your equity loan. When you take out your equity loan, you agree to repay it in full, plus interest and management fees. You must repay your equity loan in full: at the end of the equity loan term (normally 25 years), when you pay off your repayment mortgage, when you sell your home and if you do not comply with the terms set out in the equity loan contract and you are asked to repay the loan in full. Help to Buy operates under terms and conditions imposed by the HCA and may be subject to change. Please visit www.helptobuy.gov.uk for further information. Help to Buy cannot be used in conjunction with other schemes. Information correct at time of broadcast. Please see www.helptobuy.gov.uk/equity-loan/eligibility/ for further information. †Terms and conditions apply.