Row of houses from the outside

How Help to Buy Works

  • Help to Buy is available to eligible first time buyers, and will currently run to 31st March 2023
  • You only need a minimum 5% deposit to qualify
  • The Government will then lend you up to 20% of the value of your property through an equity loan, which is interest-free for the first 5 years
  • The loan can be repaid at any time or on the sale of your property
  • You will only need to secure up to a 75% mortgage from a bank or building society
  • Help to Buy is only available on new homes in England
  • Help to Buy is available on new properties up to a regional cap. Caps applicable to Bell Homes properties are :
    • South West – £349,000
    • West Midlands – £255,600

If you want further information on Help to Buy or you are interested in any of our developments, please call our sales team on 08458 800922 or use our Contact Page.

Further information and ‘terms and conditions’ are available on

A couple holding a set of keys in front of their house
Illustration showing house with percentages for a mortgage

Worked example based on a £200,000 purchase price

You arrange mortgage 75% £150,000
Deposit 5% £10,000
Government equity loan 20% £40,000
Total Purchase Price £200,000

For more information on Help To Buy Contact Us