What is the best
option for me?
Yes
Do you have
a household
income between
£18,000 &
£60,000?
Do you have access to
a deposit or savings over
£2,500?
No
No
Intermediate Rent /
Rent to Buy
Is your income below
£18,000?
Yes
Do you have savings to
cover a 5% deposit for the
share or property value?
No
Yes
Speak to an IFA for
more information about
affordability*
No
Do you have an income
over £60,000?
Yes
Yes
Shared Ownership
Help to Buy
Equity Loan
*You can still register but your options may be limited subject to affordability and the area you want to live.
Help to Buy South
www.helptobuysouth.co.uk 0800 456 11 88
An introduction to your Help to Buy options
Shared
Ownership
Shared Ownership
Resales
Rental
schemes
Equity Loan
schemes
Mainly brand new apartments
and houses for sale through
Housing Associations on a part
buy/part rent basis. You can
buy a 25% - 75% share of the
property’s value and you pay
a low rent on the remaining
share.
Existing owners of shared
ownership apartments and
houses selling through Housing
Associations. You can purchase
the existing share or more and
own the property on a shared
ownership basis.
Brand new apartments and
houses for sale on selected
developer sites. You pay
80% of the market value with
a 20% loan (funded by the
government, interest free for
the first 5 years).
How to apply?
Register on line with the Help
to Buy Agent. The Housing
Association offering the
property for sale will invite you
to view properties and process
your application.
Referred to as Intermediate
Rent, Discount Rent, or
Rent to Buy. New and
existing properties for re-let
approximately 20% cheaper
than on the open market,
enabling you to save towards
a deposit to buy a home in the
future.
Register on line with the Help
to Buy Agent. The Housing
Association offering the
property for sale will invite you
to view properties and process
your application.
What will it cost?
Minimum 5% deposit. A
mortgage for the share you
purchase, plus rent on the
remaining share.
How to apply?
What will it cost?
Minimum 5% deposit. A
mortgage for the share you
purchase, plus rent on the
remaining share.
How to apply?
Register on line with the Help
to Buy Agent. The Housing
Association offering the
property for rent will invite you
to view properties and process
your application.
What will it cost?
1 month’s rent as a deposit.
Monthly rental payments.
Letting fees.
How to apply?
Visit a participating developer
site. The developer offering
the property for sale will ask
you to complete a Property
Information Form and a
Reservation Form. The Help to
Buy Agent will then process
your application.
What will it cost?
Minimum 5% deposit. A
mortgage for 75% of the
market value. Interest free
loan on the remaining 20% for
the first 5 years (there will be a
fee of 1.75% rising annually by
RPI, if any, plus 1%)
Other options may be available. See website for details.
Affordability and eligibility criteria applies.
Help to Buy South
www.helptobuysouth.co.uk 0800 456 11 88