Help to Buy

Making buying your first home more affordable

To help make purchasing your first home more affordable, the Government has created the Help to Buy schemes.

With a choice of Shared Ownership properties, equity loans and ISAs, there are plenty of ways to help you get your foot on the property ladder.

Help to Buy: Equity Loan

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Help to Buy: ISA

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Shared Ownership

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Your questions answered…

Help to Buy

  • Can I use my Help to Buy: ISA with any other Government housing scheme?

    Yes, it can be used in conjunction with the Help to Buy: Equity Loan.

  • How long will the Help to Buy scheme run for?

    The Help to Buy Equity Loan scheme has been extended until 2021 through a further £8.6 billion in government funding.

  • Can I sublet my home or Buy to Let?

    Help to Buy is intended to help you move on or up the housing ladder. If you would like to sublet you will first need to repay the Help to buy equity loan assistance. If you share ownership then no, you must live in the home that you purchased or rent. In exceptional circumstances (serving member of the armed forces) then subletting may be considered but written permission from your housing association would need to be obtained.

  • What happens if I want to sell my home?

    Under the Help to Buy Equity loan you can get advice about selling and redeeming your equity loan from the mortgage administrator. For shared ownership properties, you can get advice about selling your home from the Housing Association that dealt with the original purchase.

  • Will the property be freehold or leasehold?

    Shared Ownership properties are all sold on a leasehold basis. If you are using the Help to Buy Equity Loan then the majority of houses will be Freehold and the majority of flats will be leasehold, however you should always confirm this for your property.

  • What is a Help to Buy agent?

    Housing associations appointed by the Homes and Communities Agency as a main point of contact for people looking for an affordable home to buy or rent in their area.

  • Where is Help to Buy available?

    England, Scotland and Wales. But the maximum price of the property you can buy differs. Find out more on the government’s Help to Buy website.

What our customers say

  • The level of communication from New Homes Law was by far the best I've ever had with any company I've worked with. They were professional and transparent about everything.
  • As a first-time buyer I'd had no experience before; I didn't know the difference between solicitors and conveyancers. But dealing with New Homes Law was easy, convenient and seamless.
  • I would definitely recommend New Homes Law. They were all approachable and friendly, and I was comfortable they would be able to deal with my transaction well.

New Build


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Shared Ownership


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