Changes in Help to Buy

Eligibility for Help to Buy, the popular Government-backed home buying scheme in England will soon change.* This guide explains more about the changes and what they may mean to you.

What is Help to Buy and what changes are taking place?

Currently Help to Buy enables both first-time buyers and existing homeowners to purchase new build homes in England up to the value of £600,000, with just a 5% deposit and 75% mortgage. This is supplemented with a 20% equity loan, provided by the Government.

The following changes are being made to the Help to Buy scheme soon:

  • The scheme will be restricted to first time buyers.
  • The maximum purchase price for eligible homes will be reduced and will vary regionally**.

For further information about how the scheme currently works in Scotland, Wales and London, click on the relevant link.

Tranby Fields

Can I still use Help to Buy to purchase a new home now?

If you’re an existing homeowner or looking to purchase a new home up to £600,000 outside of London, there’s still time to secure your spacious David Wilson home with Help to Buy.

Home to sell? No problem. Talk to us about Movemaker and find out how we could support you in selling your existing property.

Search for a new home today and book an appointment online at a time to suit you, so that you can discuss the next steps with our experienced Sales Advisers.

What is the new regional eligibility criteria?

New rules will be introduced across England, from April 2021. Only first time buyers will be eligible to use the scheme, when purchasing new homes of up to the new regionally set maximum prices.



Anticipated price cap for properties eligible for Help to Buy Equity Loan scheme from April 2021 to March 2023

North East


North West


Yorkshire and The Humber


East Midlands


West Midlands


East of England




South East


South West


Source: HM Treasury analysis
Please note: the regional prices caps stated above have not currently been confirmed by the Government.

Terms and conditions:


Click here for full Terms and Conditions of the existing Help to Buy scheme.

** The cap for properties in London will remain at £600,000