Help to Buy - not just for first time buyers

Help to Buy is a government led scheme to help hard working people like you take the first steps to buying your own home.

This scheme is often associated with first time buyers but did you know that it can also benefit those buyers looking to move up the ladder? The scheme offers an equity loan where the government lends first time buyers and existing homeowners money to buy a new build home

If you’re thinking of making your next move, Your Move can help you when it comes to selling your current home, finding a new home and even with your mortgage.

Do you qualify?

To qualify for the scheme in England your home must:

  • Be a new build property
  • Have a purchase price of maximum £600,000
  • Be the only home you own
  • Not be sub-let or rented out after purchase

Terms and conditions apply, for further information see

The Scottish and Welsh Government run similar Help to Buy schemes.

Help to Buy Wales    

Help to Buy Scotland 

How does it work?

  • You need a minimum of 5% deposit

  • The government lends you up to 20% of the property value (up to 40% if buying within Greater London)

  • You’ll need to secure up to a 75% mortgage

  • The loan is interest free for the first 5 years and then interest is charged thereafter

Still not clear on how Help to Buy works? Not sure if it’s right for you?

For more information on the Help to Buy scheme or mortgages book an appointment online with an Embrace Financial adviser today.

Book an appointment


Embrace Financial Services usually charges a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.

Your Move may receive a referral fee from Embrace Financial Services for recommending their services. You are not under any obligation to use their services. Embrace Financial Services is an associated company of Your Move.

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