If you're looking for a Help to Buy mortgage, we will search the market and match you with a provider as long as you meet the relevant criteria:

Help to Buy equity loans are available in England to all buyers for new builds with a purchase price of up to £600,000. The property must be your only property and cannot be sublet. 

The loan from the Government is for up to 20% of the purchase price and 40% in London; please bear in mind that it is dependent on you having at least 5% of the purchase price as a deposit to begin with. 

Our experts will make sure you meet the lenders' affordability criteria for the remaining mortgage amount required to cover the rest of the purchase.

How do I apply for a Help to Buy mortgage on the Habito website?

Simple! All you need to do is fill out a new mortgage application and let our experts know you'll be using an equity loan scheme to help with your deposit.

Don't let it confuse you that there isn't a particular starting point on our website — we handle Help to Buy applications daily and have plenty of experience with processing them.

Important to know

You will need to make the HTB arrangements yourself, separately from your Habito mortgage application. Unfortunately the two processes are parallel to each other and we won't be able to advise you on the scheme itself; the official Help to Buy website is a great place to start; you can look for the area you're looking to buy in for more in-depth information on the developments.

We will need your Authority to Proceed

Once you've progressed your Help to Buy application and you're ready to apply for the mortgage we recommend, we will need a letter from your Help to Buy agent to move forward. This is called Authority to Proceed; the HTB agent will issue it as a result of your eligibility assessment. 

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