Your dream home is closer than you think with Help to Buy - Wales

This scheme makes home ownership more accessible and affordable by:

  • Providing you with an interest-free loan for the first 5 years (up to 20% of the property value)
  • Requiring only a 5% deposit from you
  • You then take out a mortgage for the remaining 75%

Who can apply for Help to Buy - Wales?

The scheme is available to:

  • Anyone living in Wales (individuals, couples and families)
  • First-time buyers
  • Existing homeowners

Looking to buy a new-build property and make your home ownership dreams come true? Help to Buy - Wales could be for you.

Benefits of Help to Buy - Wales

Only 5% deposit needed

Buy your home with a smaller mortgage even if you only have a 5% deposit.

Lower mortgage interest rates

Benefit from better rates as you'll only need to borrow 75% of the property value.

Interest-free equity loan for five years

No interest on your equity loan for the first five years, reducing financial pressure while you settle into your new home.

Paying back your equity loan early

You can reduce what you owe at any time by:

  • Paying off at least 10% of your home's current value
  • Or paying the full amount in one go

Pay back your entire loan within the first five years and you'll pay zero interest.

Want to know more?

Visit GOV.WALES for full details and to apply for Help to Buy - Wales.