Buying and selling a property | Sub-topic

Help to buy a home

Shared Ownership, Rent to Own, Help to Buy

Guidance and services

Help to buy a home schemes
Summary of the available help to own your own home.
Find help to buy a home
Use this tool to find a home ownership scheme suitable for you.
Help to Buy – Wales
Help to Buy – Wales is a Welsh Government scheme that provides a shared equity loan to home buyers
Help to Buy – Wales: application form
This form must be completed to apply for the Help to Buy – Wales scheme.
Help to Buy - Wales: participating builders
List of participating builders who sell Help to Buy - Wales eligible homes.
Help to Buy - Wales: participating lenders
To be eligible your home must be bought with a mortgage from one of these lenders.
Help to Buy – Wales: trained conveyancers
Applicants must use a solicitor or conveyancer who has undertaken Help to Buy – Wales training.
Help to Buy - Wales: post sales guide
You must follow these rules once you have bought your home.
Help to Buy – Wales: builder and developer pack
Everything a Help to Buy - Wales provider needs to sell a home as part of the scheme.
Help to Buy - Wales: builder and developer agreement
Participating builders and developers (providers) must agree to these conditions.
Rent to Own – Wales
Rent to Own - Wales is a Welsh Government scheme to support buying a home for those who do not have sufficient funds for a mortgage deposit.
Rent to Own – Wales: buyers' guide
Detailed explanation of the Rent to Own – Wales scheme and how to apply.
Rent to Own – Wales: application form
This form must be completed to apply for the Rent to Own – Wales scheme.
Rent to Own – Wales: participating landlords
List of participating landlords who offer eligible homes under the Rent to Own – Wales scheme.
Shared Ownership – Wales
Shared Ownership - Wales is a Welsh Government scheme to support buying a home for those who are unable to afford the full market value for a home.
Shared Ownership – Wales: buyers' guide
Detailed explanation of the Shared Ownership – Wales scheme and how to apply.
Shared Ownership – Wales: application form
This form must be completed to apply for the Shared Ownership – Wales scheme.
Shared Ownership – Wales: participating landlords
List of participating landlords who offer eligible homes under the Shared Ownership – Wales scheme.
Shared Ownership – Wales / Rent to Own – Wales: website privacy notice
How we will use your personal information
Homebuy – Wales
Homebuy – Wales is a Welsh Government scheme that provides a an equity loan to home buyers who qualify for social housing
Homebuy – Wales: buyers' guide
Detailed explanation of the Homebuy – Wales scheme and how to apply.
Homebuy – Wales: participating landlords
List of participating landlords who offer eligible homes under the Homebuy – Wales scheme.
Get help to build a home (Self Build Wales)
Self Build Wales helps you find a plot and provides loans to build your own home.
Help to Buy – Wales buyers information leaflet
Important information about buying a home using the Help to Buy – Wales scheme.
Help to Buy - Wales: application guidance for financial advisors and mortgage brokers
Explains how to apply on behalf of a client.
Help to Buy – Wales post-sale information leaflet
Important information about selling, making improvement to or transferring ownership of your Help to Buy – Wales home.
Help to Buy: Wales equity loan calculator
Use this form to check the affordability and sustainability of the loan.
Help to Buy - Wales: change of ownership form
If you are looking to change the ownership of your property, you will need the written permission of Help to Buy (Wales) Ltd.
Help to Buy - Wales: checklist for independent financial advisors
You should complete this form before submitting an application.
Help to Buy - Wales: post sales instruction form
If you are planning to sell your home, make improvements or transfer ownership, you will need the permission of Help to Buy (Wales)Ltd.
Help to Buy - Wales affordability and eligibility: guidance for independent financial advisors
Explains what you need to provide to support an application.
Help to Buy - Wales: approved independent finance advisors and mortgage brokers
List of financial advisers and mortgage brokers who are approved to provide advice about Help to Buy - Wales.
Help to Buy - Wales equity loan calculator: guidance for independent financial advisors
How you should use the calculator to assess the income of applicants.
Help to Buy – Wales: rules and restrictions for buyers
What homebuyers can and cannot do as part of the equity loan scheme.
Eligibility
Homebuy – Wales is a Welsh Government scheme that provides a an equity loan to home buyers who qualify for social housing
Help to Buy – Wales: energy efficiency guidance for buyers
What you should do if you have a Help to Buy Wales loan and want to make your home more energy efficient.
Scheme extension: April 2023 to March 2025
Help to Buy – Wales is a Welsh Government scheme that provides shared equity loan assistance to home buyers
Help to Buy Wales: guidance on external cladding affected properties
RICS valuers should read these notes before they do a market valuation on a property where a Help to Buy Wales shared equity loan is held .
Cost of living
Get support and advice to help you with the increased cost of living.
Eligibility
Rent to Own - Wales is a Welsh Government scheme to support buying a home for those who do not have sufficient funds for a mortgage deposit.
Help to Buy – Wales: DocuSign guidance for solicitors
Advice if you are using DocuSign for digital signatures.
Complaints
Our complaints policy and what it means for you.
Eligibility
Help to Buy – Wales is a Welsh Government scheme that provides shared equity loan assistance to home buyers
Arrears
Our policy on arrears and what it means for you.
Repaying the shared equity loan
Help to Buy – Wales is a Welsh Government scheme that provides shared equity loan assistance to home buyers
Treating Customers Fairly
Our policy on treating customers fairly and what it means for you.
Eligibility
Shared Ownership – Wales is a Welsh Government scheme to support buying a home for those who are unable to afford to buy a home at the full market value.
Vulnerable Customers
Our policy on vulnerable customers and what it means for you.
Help to Buy – Wales: valuation guidance
You must instruct your own Royal Institution of Chartered Surveyors (RICS) valuer to carry out the valuation and confirm the current Market Value.

Land Transaction Tax

Includes how to calculate and pay land transaction tax, register and file a return and claim a refund

Guidance and services

Land Transaction Tax
Check if you need to pay Land transaction tax (LTT) when you buy or lease property or land in Wales.
Calculate Land Transaction Tax
Use this calculator to help you work out how much Land Transaction Tax (LTT) you may need to pay if you buy property or land in Wales.
Pay Land Transaction Tax
Find out when and how to pay Land Transaction Tax (LTT) to the Welsh Revenue Authority (WRA).
Land Transaction Tax rates and bands
There are different Land Transaction Tax (LTT) rates and bands for different types of property. Welsh Ministers set the rates and bands for LTT. They’re approved by the Welsh Parliament.
Higher rates of Land Transaction Tax
Find out if you must pay higher rates of Land Transaction Tax (LTT) when you buy residential property in Wales.
Check if you need to pay the higher rate of Land Transaction Tax
Use this tool to check whether a transaction is subject to the higher rate of Land Transaction Tax (LTT).
Land Transaction Tax for non-residential and mixed use property
There are different Land Transaction Tax (LTT) rates if you buy or lease non-residential or mixed use property or land in Wales.
File Land Transaction Tax
Use this service to sign in and file a Land Transaction Tax (LTT) return online as a solicitor or conveyancer.
Register your organisation to file Land Transaction Tax online
Use this service to register your organisation and online administrator to file Land Transaction Tax (LTT) online, as a solicitor or conveyancer.
Create a user account to file Land Transaction Tax online
Use this service to create a user account to file Land Transaction Tax online, as a solicitor or conveyancer.
Create admin user account and manage users for Land Transaction Tax online
Find out how to add, remove, and upgrade users to administrators for your organisation’s Land Transaction Tax (LTT) online account.
Land Transaction Tax for professionals
All the information solicitors and conveyancers need for Land Transaction Tax (LTT).
Land Transaction Tax relief for multiple dwellings
Find out when multiple dwellings relief (MDR) for Land Transaction Tax (LTT) applies when you buy property in Wales.
Amend a Land Transaction Tax return
How to amend a Land Transaction Tax (LTT) return to correct a mistake.
Amend Land Transaction Tax return to claim a multiple dwellings relief refund
Use this online form to amend a Land Transaction Tax (LTT) return to claim multiple dwellings relief (MDR).
How to claim a Land Transaction Tax refund
You can apply online if you think you’re entitled to a Land Transaction Tax (LTT) refund.
Claim a refund of Land Transaction Tax higher rates
Claim back Land Transaction Tax (LTT) paid at the higher rate because you’ve now sold your previous main residence.
Claim a refund if you overpaid Land Transaction Tax
Use this form if you’ve submitted a correct Land Transaction Tax (LTT) return but paid us more than you should have.
Claim a refund if you accidentally paid the Welsh Revenue Authority
Use this online form if you’ve paid money to us in error to arrange for it to be returned to you.
Authority to act with the Welsh Revenue Authority
How to authorise an agent or trusted helper to act on your behalf in regard to your tax affairs with the Welsh Revenue Authority (WRA).
Find out if a postcode is in Wales for Land Transaction Tax
Use this tool to check whether the postcode of land or property you’re buying or leasing is located in Wales.
Welsh Revenue Authority: tax opinion service
Find out when you can ask for a tax opinion in some cases and what you’ll need to do.
Welsh Revenue Authority: tax opinion information checklist
Use this checklist to help you decide what information to include when you ask for a tax opinion.
Difficulties paying your tax bill on time
What to do if you have problems paying tax on time to the Welsh Revenue Authority and help to pay.
Tax penalties: filing or paying late
Find out about tax penalties for Land Transaction Tax (LTT) and Landfill Disposal Tax (LDT), how they're calculated and what you can do.
Tax assessments and enquiries by the Welsh Revenue Authority
When and why the WRA might check if the amount of Land Transaction Tax (LTT) or Landfill Disposals Tax (LDT) you pay is correct.
If you disagree with a Welsh Revenue Authority tax decision
You can contact the Welsh Revenue Authority (WRA) if you have a query about a tax decision.
Tax collection and management: technical guidance
Detailed guidance describing the powers and duties of the Welsh Revenue Authority and duties and rights of taxpayers.
Land Transaction Tax: differences to Stamp Duty Land Tax
Find out the main differences between Land Transaction Tax (LTT) and Stamp Duty Land Tax (SDLT).
How the Welsh Revenue Authority uses personal information
Agents give clients this tax data privacy notice to know what personal information we collect and process at the Welsh Revenue Authority (WRA).
Application of LTTA and TCMA to certain persons and bodies
Guidance on the application of LTTA and the Tax Collection and Management (Wales) Act to certain persons and bodies.
Get extra help with tax
We can help you if you need extra support with taxes we manage at the Welsh Revenue Authority, such as Land Transaction Tax.
Welsh Revenue Authority: using email to correspond about tax
What you need to know before you decide to correspond with us at the Welsh Revenue Authority (WRA) by email.
Report tax avoidance or evasion
Report suspected tax avoidance or evasion behaviour in Land Transaction Tax (LTT) or Landfill Disposal Tax (LDT).
Land Transaction Tax information for estate agents to share with home buyers
Leaflet for estate agents to help home buyers understand Land Transaction Tax. Jointly produced by the Welsh Revenue Authority and Propertymark.
Calculate Land Transaction Tax with multiple dwellings relief
As a solicitor or conveyancer, use this calculator to help work out the tax due on transactions if claiming multiple dwellings relief (MDR).

Help to buy a home

Guidance and services

Land Transaction Tax

Guidance and services

Share this page