Help to Buy Scheme

The popular Government-funded Help to Buy Equity Loan is available until 2021, so you can find your new home with just a 5% deposit. With competitive mortgage rates available, now really is a great time to buy.

Help to Buy Calculator


Estimate your monthly mortgage repayments in 4 simple steps and find available properties.

Select your Help to Buy UK region

England Scotland Wales London

Move the selector until the correct value is displayed

Price Control
Step 1 of 4
Deposit Control
Step 2 of 4
Interest Control
Step 3 of 4
Duration Control
Step 4 of 4


5% Deposit:

5% Help to Buy Equity Loan: £ ????????

5% Mortgage Value: £ ????????

Interest Rate:

Mortgage Term:

Property Value:

Monthly Repayment £ ?????? p/m


YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. This calculator is provided for guidance only; Barratt Homes does not offer mortgage advice. Subject to full affordability checks, you may qualify for a higher equity loan amount from the government. You should take advice from a suitably qualified adviser before agreeing to a mortgage.

What is Help to Buy?

Find out how you could be one step closer to owning your new home with the Help to Buy scheme in your area by viewing our videos for Help to Buy Scotland or Help to Buy Wales.

Help to Buy equity loan scheme means you can move with just a 5% deposit and is available for both first time buyers and existing home owners.

  • The Government provides an equity loan of up to 20% of the value of your property which is interest free for 5 years
  • The Help to Buy equity loan can be repaid at any time or on the sale of your home
  • You then need to secure up to a 75% mortgage (there is a range of competitive mortgage rates available with this scheme, so you can find something to suit your budget)
  • Available exclusively on new build homes up to £600,000 in England, £300,000 in Wales and £200,000 in Scotland

Who is eligible?

Who is eligible?

The scheme is available to first-time buyers and existing home owners. The home you buy must be your only residence. Help to Buy is not available to assist buy-to-let investors or those who will own any other property after they complete. Book an appointment today and we can introduce you to a New Homes Mortgage Adviser who will be able to tell you if you qualify for the scheme.

The terms of the scheme vary between England, ScotlandWales and London, so take a look at the Help to Buy Scheme in your area for more details – full details are at the bottom of this page.

Buy new for real peace of mind

Buy new for real peace of mind

Help to Buy gives you the opportunity to find the Barratt home that’s right for you right now – all you need is a 5% deposit. Whether you’re after more space to entertain or room for your kids to play, you’ll be delighted with the open-plan, multi-purpose spaces that are included in our homes. 

We* make moving house and living in your new home easy. Our homes are covered by the 10 year structural warranty†, plus a 2 year fixtures and fittings warranty on virtually all our homes. And you can be confident you're choosing a quality home as we've been awarded five stars for customer satisfaction from the Home Builders Federation every year since 2009.

For further information, see our Frequently Asked Questions.

So what are you waiting for?

Call us today on 0330 057 6000 to arrange a visit at your local development, or register now to receive the latest news and updates via email. Now is a great time to find your new home with just a 5% deposit.

Read the full terms and conditions for England

Read the full terms and conditions for London

Read the full terms and conditions for Scotland

Read the full terms and conditions for Wales


^ refers to the Barratt Developments PLC Group brands.

†First 2 years covered by Builder Warranty & NHBC Guarantee or similar. Years 3-10 covered by NHBC insurance or similar.  Full exclusions and limitations can be found on the NHBC website.  Available on virtually all of our developments.