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Help to Buy calculator

Use our Help to Buy calculator to work out whether you could afford to buy a home using a Help to Buy equity loan.

Our Help to Buy calculator will give you a quick indication of whether you're likely to be able to buy a home using a Help to Buy equity loan, based on your income, property price and location.

If you'd like a free consultation about your Help to Buy mortgage options and whether you could potentially buy without an equity loan, call Which? Mortgage Advisers on 0800 197 8461 or fill in the form at the bottom of the page for a free callback.

How does Help to Buy work in different parts of the UK?

Help to Buy equity loans enable homebuyers to purchase a new-build property using a government loan. The size of loan and maximum property price vary according to where you're buying.

There isn't currently a Help to Buy equity loans scheme in Northern Ireland, but here's an overview of how it works throughout the rest of the UK. Just click the links in the left-hand column to find out more about how it works in your area:

Help to Buy scheme Maximum equity loan Maximum property price
England (excluding London) 20% £600,000
London 40% £600,000
Scotland 15% £200,000
Wales 20% £300,000


Are you eligible for Help to Buy?

Help to Buy equity loans are only available for new-build homes. On top of this, you must:

  • have at least 5% deposit
  • be planning to buy a home within the price limits in the table above
  • be purchasing a property you intend to use as your primary home

Find out more about Help to Buy

While taking out a Help to Buy equity loan to boost your buying power might sound like a no-brainer, there are a number of pros and cons to this scheme.

Check out our guide to Help to Buy equity loans to find out more.

Get personalised advice on Help to Buy mortgages

For free, personal advice from an independent mortgage broker, call Which? Mortgage Advisers on 0800 197 8461 or fill in the form below.

If you'd like to talk to an expert adviser about your mortgage options, complete your details and Which? Mortgage Advisers will give you a free call back.

Request a FREE call back
  • Completely impartial advisers who don't work on commission
  • We'll search the whole of the market including direct deals
  • Free initial consultation - a fee is only payable if you decide to apply for a mortgage
Submit request When you complete this form your details are sent securely to Which? Mortgage Advisers. We will only contact you for your free consultation. Your home may be repossessed if you do not keep up repayments on your mortgage.

Correct as of date of publication.


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Your home may be repossessed if you do not keep up your mortgage repayments