Help to Buy Wales

Help to Buy - Wales allows eligible purchasers to buy new-build homes with assistance from the Welsh Government in the form of a shared equity loan.

What does this mean in practice?

Help to Buy - Wales shared equity loans are available to both first-time buyers and home movers wishing to purchase new-build homes worth up to £300,000. With Help to Buy - Wales, buyers won't be able to sub-let their home. With Help to Buy - Wales:
  • buyers need to contribute a deposit equal to 5% of the property price.
  • the Welsh Government (through Help to Buy (Wales) Ltd) will fund a shared equity loan for up to 20% of the purchase price.
  • buyers will then need to secure a mortgage to cover the remaining balance.

Example Undertaking

For a property worth £200,000 Amount Percentage
Cash deposit £10,000 5%
Shared equity loan £40,000 20%
Your mortgage £150,000 75%
If in the future the home in the table above sold for £210,000 the buyer would get £168,000 (80%, based on their mortgage and the cash deposit) and pay back £42,000 on the shared equity loan (20%). The buyer will pay off their mortgage using the proceeds of the sale and will then repay the Help to Buy -Wales shared equity loan.

Are there any fees attached to the shared equity loan?

From the time a buyer receives the shared equity loan they will be charged a small administration fee of £1 per month. Then, in the 6th year, they'll be charged interest of 1.75% per annum of the original shared equity loan amount. After this, the interest will increase every year. This increase is worked out by using the Retail Prices Index plus 1%. All buyers will be contacted before the shared equity loan interest starts and they'll also be sent a statement about their shared equity loan each year. The fees do not count towards paying back the shared equity loan. Further details are available on the Help to Buy - Wales website.

Help to Buy - Wales Calculator

Use our handy calculator to find out how Help to Buy - Wales can increase your budget, and help you move into your new home with just a 5% deposit.

Your deposit

How much deposit do you have?


Help to Buy equity loan

The Government could lend you up to 20% of the home value.



Mortgage required.


Your results

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Help to Buy loan (20%) {{slider.helpToBuyLoan.value | currency:'£':0}}
Your mortgage (75%) {{ | currency:'£':0}}

Your budget with Help to Buy

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