Move with just a 5% cash deposit using the Welsh Government's Help to Buy - Wales scheme
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Help to Buy – Wales is a scheme that makes it easier for first time buyers and existing homeowners to purchase a new home. With just a 5% deposit, you can access a shared equity loan of up to 20%, helping to make your dream home more affordable.
If you’re thinking of buying your first home or looking for a fresh start, this scheme puts buying a brand new home within reach.
Here’s a simple breakdown of how the scheme can help you buy a new home.
5% deposit + 20% equity loan + 75% mortgage = 100% home ownership.
With Help to Buy – Wales, getting the keys to your brand new home is more achievable than you might think. Here’s how the process works in five simple steps:
1. Save up your deposit
The first step is to start saving for your 5% deposit.
2. Find your new home
Start looking for your new home in Wales up to the value of £300,000. See Charles Church developments near you.
3. Apply for your 20% shared equity loan
Next, it’s time to apply for your 20% equity loan through the Help to Buy – Wales website. You’ll need to submit your application and receive approval before proceeding with your mortgage.
4. Apply for your 75% mortgage
With your deposit and equity loan in place, you’ll need to arrange a mortgage for the remaining 75%. If you’d like independent financial advice, get in touch – we can provide a list of recommended independent financial advisers who can assist you every step of the way.
5. Complete the purchase of your new home
Once your mortgage is approved and all agreements are in place, you'll finalize the purchase of your new home. Once everything is in place, it’s time for the exciting part –moving in! Explore our developments and find the home that’s waiting for you.
