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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. To be able to sell properties through Help to Buy – Wales you (the builder) must first register with Help to Buy (Wales) Ltd.

Details of this registration process can be found in How to register and in the Help to Buy – Wales Housebuilder and Developer Participation Guide .

What does this mean in practice?

Help to Buy – Wales shared equity loans can be offered to both first-time buyers and existing home-owners wishing to purchase a new-build property worth up to £300,000.

Builders registered with Help to Buy – Wales can offer potential home buyers the option of using a Help to Buy - Wales shared equity loan to make up the shortfall between their cash deposit and mortgage lending, and the purchase price of their desired property. Further details can be found in the Help to Buy – Wales Housebuilder and Developer Participation Guide .

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%

Download documents

Help to Buy - Wales: Shared Equity Loan

Case studies

Five couples moved into their new homes at Cwm Calon

We started looking for a home last September but we were struggling to find something we liked within our price range. When we visited Cwm Calon for the first time, we immediately fell in love, and luckily Help to Buy - Wales has enabled us to afford to buy here... Read more

Toby, Cwm Calon.

More case studies

Other Help to Buy schemes in Wales:

Forces Help to Buy expand
Help to Buy logo

Regular armed forces personnel can benefit from a £200 million scheme to help them get on the property ladder.

The Forces Help to Buy scheme enables servicemen and servicewomen to borrow up to 50% of their salary, interest free, to buy their first home or move to another property on assignment or as their families needs change.

Details are available on the
UK Government website

Help to Buy: ISA expand
Help to Buy logo

You can put away up to £200 a month in a Help to Buy: ISA that the government will then top up by 25%, up to a maximum of £3,000.

In the first month you’re also able to put away £1,200 - that’s an extra £1,000 on top of the monthly maximum of £200.

Details are available on the
Help to Buy website

Other affordable housing schemes in Wales:

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