Help to Buy

Introducing the Help To Buy Scheme

The popular Government-backed Help to Buy Equity Scheme is still available exclusively on new build homes up to 2021 and Morrish Builders are a registered provider.

This means that buying a new home through Morrish is an affordable option with customers only needing to raise a 5% deposit on a new home up to the value of £600k.

How Does the Scheme Work?

  • A 5% deposit is required
  • The Government will loan a 20% contribution towards the value of your new home which can be up to a maximum of £600k in England
  • The Government Loan is interest free for the first 5 years. A fee of 1.75% is payable thereafter on the equity loan (check current terms and conditions)
  • A 75% mortgage from a mortgage provider is required
  • The Help to Buy Government loan can be repaid in full at any time or on the sale of your new home
  • The scheme is available to both first time buyers and principle home owners
  • The Government portion of the loan is paid directly to the registered house builder making it an easy process
  • For more information about terms and conditions see the Governments website here. Terms & Consitions apply.

An example using Help to Buy

An example using Help to Buy on a £290k Morrish Home (available at Nansledan, Newquay):

  • House Value: £290,000
  • 5% Deposit: £14,500
  • 20% Government Loan: £58,000
  • 75% Mortgage: £217,500

Our Help to Buy Leaflet can be downloaded here.

The Government's scheme provides more information here. Our Poundbury Sales Office can provide information on 01305 213745 or our Nansledan Sales Office on 01637 838171.

The Help To Buy ISA

The Government recently launched the new Help to Buy ISA (Individual Savings Account).

This means if you are saving to buy your first home, and you save your money in a Help to Buy ISA, the Government will boost your savings by 25 percent up to a maximum bonus of £3,000

As an example, for every £200 a first-time buyer saves, the Government top up the savings by £50. Savers can save up to £12,000 towards their first home and still obtain this Government bonus.

Find out more about the Help to Buy ISA here 


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