The way you access a Help to Buy agent has changed

Since 2 January 2020, you can apply for an equity loan from one of three Help to Buy agents.

We are the Help to Buy agent for the Midlands and London.

We have been appointed by the government to offer the scheme in England and are on hand to support you in the purchase of your new build home using a Help to Buy: Equity Loan and affordable home ownership. 

Am I Eligible  

Am I Eligible?

Have a look at the different Help to Buy schemes available and the eligibility criteria for each of them.

Apply online  

Apply Online

Click here to apply for Help to Buy Shared Ownership. For Help to Buy Equity Loan schemes, please click here.

Find a home  

Find a Home

If your application for Help to Buy meets the eligibility criteria, you can look for a property via the property search section on this website.

I want to buy a property, through Help to Buy: Equity Loan for…

Min: £80,000
Max: £600,000

Enter a property price (£)

YOUR HOUSE MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON A MORTGAGE OR ANY OTHER LOAN SECURED AGAINST IT.

Your purchase could be made up of…

Deposit £17,000 5%
Equity Loan £68,000 20%
Mortgage £255,000 75%

These figures are an illustration, to help you understand how Help to Buy: Equity Loan works. They do not represent the amounts you may be able to borrow. BPHA is not regulated to provide financial advice. It is important that you seek professional advice from a mortgage advisor or financial advisor, to understand the options available to you based on your individual circumstance.

Already bought a home with Help to Buy?

Existing Equity Loan customers can contact My First Home, the Post-Sales Agency, on 0345 848 0235 - Monday to Friday, 9am - 5pm or visit their website: myfirsthome.org.uk

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Want to buy a home?

If you're looking for help getting onto the property ladder, we offer a number of  home ownership schemes.

More info

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Got a Question? 

Got a question about Shared Ownership? Visit our Frequently asked Question page to find out the facts.  

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Stakeholders 

If you are a Developer, Solicitor or IFA then you can find out about Help to Buy here.      

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Help to Buy Midlands and London update

We are receiving a high volume of Help to Buy: Equity Loan applications, following the easing of COVID-19 lockdown measures.

As a result, it is taking us longer than we would expect to process some documents. We are currently working within the following timescales:

• Authority to Proceed (ATP): 8 working days
• Authority to Exchange (ATE): 3 working days
• Confirmation to Developer (CTD): 2 working days

LCHO Applications we are working within the SLA of 4 working days

In line with government advice, our teams are working remotely.