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Help To Buy

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Help to Buy

Pay a minimum 5% deposit with
Help to Buy: Equity Loan* at Brixton Centric

First time buyers can take advantage of the Government backed Help to Buy:
Equity Loan up to a purchase price of £600,000.


  • You will need a minimum deposit of 5%
  • The Government will provide up to a 40% equity loan
  • You cover the rest (55%) with your own commercial mortgage
  • The equity loan is repayable after 25 years, or on the sale of the property if earlier

The deadline for applications for the Help to Buy: Equity Loan scheme 2021-2023 is 6pm on 31 October 2022. By this date you must have reserved your home and submitted your completed Property Information Form. You can find out more information about Help to Buy here:


  • You do not pay interest on the equity loan for the first five years
  • In the sixth year, you’ll be charged interest at a rate of 1.75%
  • The interest will be applied to the equity loan amount you originally borrowed (the equity loan percentage of the property purchase price)
  • This annual interest is spread over the year in monthly payments
  • The interest rate increases every year in April, by adding the Consumer Price Index (CPI) plus 2%
  • You will need to pay a monthly management fee of £1 when you take out the equity loan until you pay it off

You can find out more information about Help to Buy here:

How does Help To Buy work?
How does Help To Buy work?


You must repay all your equity loan when you either:

  • Reach the end of the equity loan term (normally 25 years)
  • Pay off your repayment mortgage
  • Sell your home
  • You may also be asked to repay the equity loan in full if you do not keep to the terms and conditions

*Help to Buy: Equity Loan (2021-2023): Eligible homebuyers can borrow 5% to 20% (40% in London) of the market value of a newly built home. Regional property price limits will apply. The equity loan is interest free for 5 years; monthly interest payments start at 1.75% and rise each year in April by the Consumer Price Index (CPI) plus 2%. Pay a £1 monthly management fee from the start. Repay your equity loan at the end of your mortgage or equity loan term, when you sell your home or any time before. The lender, Homes England, secures the equity loan as a second charge on your home. Help to Buy is subject to eligibility, terms and conditions: www.helptobuy.gov.uk. Your home may be repossessed if you do not keep up repayments on your repayment mortgage, equity loan or other loans secured against it. * Taken from the government Help to Buy guidelines

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