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Help to Buy in London

Government property saving schemes to support first-time buyers
Made in Chelsea, in 1856 With over 160 years’ experience matching people and property throughout London, we’re not only one of London’s longest established agents, but also one of the most prevalent.
The best in the business Underpinned by a culture built on energy, agility, professionalism and knowledge, our local teams live and breathe our values. That means we go to great lengths to get the best results for our clients.
Local know-how, better results Our clients benefit from better results because we intimately understand - and are proud to be a part of - the communities in which we operate.

Government-backed savings schemes

Saving a house deposit is often cited as the number one reason stopping first-time buyers from stepping onto the property ladder so, to make this goal more achievable, the government has developed four schemes to aid and complement your saving efforts.

Whether you’re looking for a little help on saving for a mortgage, or open to buying your property in partnership with the government, the Help to Buy schemes are a great option, especially for first-time buyers.

All four schemes take into account London house prices, with higher thresholds for those looking to buy in the Capital. So, whether you’re looking for a little help saving for a mortgage, or are open to buying your property in partnership with the government, the Help to Buy schemes are a great option for first-time buyers.

The four options are Shared Ownership, Equity Loan, LISA, and ISA. We’ve put together a handy guide for each, to help you decide which is best for you. 

Help to Buy: ISA

Help to Buy ISA accounts allow first-time buyers to save for their deposit quicker. Up to £200 can be saved each month, or £2,400 a year, and the government boosts the amount by 25%, tax free. The maximum bonus you can receive is £3,000, but to achieve that you need to save £12,000, effectively giving you a savings pot of £15,000, saved over 5 years.

Read more about Help to Buy ISAs

Help to Buy: Equity Loan

The Help to Buy Equity Loan is available for new build houses only. It allows a first-time buyer to contribute a minimum of 5% deposit and borrow up to 40% as a government loan (20% if buying outside of Greater London). The remaining amount is then made up by a mortgage loan (up to 55%). The loan from the government is then paid off alongside mortgage repayments.

Read more about Help to Buy Equity Loans

Help to Buy: Shared Ownership

Share Ownership is available for those who are not able to secure a mortgage for 100% of their home’s value. It offers buyers the opportunity to buy a share of the property (25%-75%), and pay rent to the government on the remaining portion.

Read more about Shared Ownership

Help to Buy: LISA

The newest of the government schemes, Lifetime ISAs (LISAs) also benefit from access to a 25% monthly bonus on top of your savings. The difference is that the maximum you can save is much higher (up to £4,000 a year). These ISAs differ from a standard type in that they’re designed to help savers purchase their first home, as well as save for later life.

Read more about LISAs

Why buy with us?

  • Over 160 years’ experience matching buyers to their ideal London properties
  • One point of contact, hundreds of properties for sale across London
  • People with wonderful properties – a team with experience, energy and excellence
  • Viewings and appointments at times that suit your schedule
  • Award-winning customer service every step of the way

New Homes Office

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Help to Buy properties for sale

Developments across London, eligible for Help to Buy

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Stamp duty

Everything you need to know about first-time buyer stamp duty exemptions.

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Buying process

Helping you step onto the property ladder.

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