Help to Buy Equity Loans backed by HM Government

The myth that surrounds assisted sales properties and the Help to Buy scheme is that it is only for first time buyers and it is safe to say that this is definitely not the case. The scheme is for any buyer who is looking to purchase a new build home. Whether you’re looking to get on to the property ladder or move up it, we’re here to provide you with the assistance you need. Obviously, there are certain criteria you must meet in order to qualify for assisted sales Help to Buy.

For us to be able to help you assisted sales, you must be able to:

  • Fund up to 75% of your chosen property through a conventional mortgage- you must take out a minimum of 25% as a mortgage.
  • You must not be borrowing more than 4.5x your gross household income (minus any debts)/
  • Your monthly repayments (mortgage, equity loan interest and any services charges) must not be more than 45% of your monthly net household income (minus any debts).
  • Have no other residence or properties in your name or have any properties in your name before the completion date.
  • Not rent out your existing home and buy a second home through Help to Buy.
  • Have access to a minimum 5% deposit.

We will then carry out an assisted sales assessment of your application to make sure that you are in a position to afford a mortgage for your proposed purchase.

If you make a fraudulent assisted sales claim for Help to Buy assistance, you will be liable to criminal prosecution and any fraudulent claims will always require immediate repayment of the Help to Buy equity loan.

Frequently Asked Assisted Sales Questions

Campbells Homes Limited have put together some frequently asked questions long with answers you may find useful concerning equity loans for our assisted sales services. For more information / enquiries please Contact Campbell Homes
Telephone: 0114 234 4669

The equity loan is provided by the Homes and Communities Agency. The contribution is secured by a second charge on your property title registered at Land Registry.

No. Help to Buy is designed to assist you to move on to, or up the housing ladder. If you wish to sublet, you will first have to repay the Help to Buy equity loan.

In exceptional circumstances, e.g. a serving member of the Armed Forces, whose role requires them to serve away from the area in which they live for a fixed period, then sub-letting is allowed. In these circumstances you would also require approval from your mortgage lender and post sales agent.

No. Help to Buy is designed to assist you to move up the housing ladder and must be your only residence. This means you will be expected to sell your current home if moving up the ladder. The disposal of your current home will be verified by your solicitor/conveyoncer before you can proceed to exchange contracts on the Help to Buy home.

In addition you cannot be linked to a property financially,
for the avoidance of doubt, married couples own assets jointly and therefore if one owns a property the other is directly linked to the asset and treated as a home owner also.

No. Help to Buy is designed to assist you to move up the housing ladder. If you can afford to purchase another home you will have to repay the Help to Buy equity loan. Married couples also standardly by law own each others assets, therefore all assets in a single name are treated as jointly owned in this scenario.

Not without permission. Because Help to Buy is designed to help people move up the housing ladder, you should consider repaying part or all of the Agency’s contribution before making plans for improvements or alterations. This is because the Agency is seeking to help future aspiring buyers and may use the proceeds of these repayments to make more assistance available.

Therefore, consent will not usually be granted for significant home improvements. The Post Sales Agent will act reasonably in considering any application and will review cases of hardshop if, for example, property modifications are required for a disability.

When your property is sold in the future, if improvements have been made with the approval of the Post Sales Agent, these will be ignored when your property is valued to work out how much should be repaid to the Agency.

Interest fees can be paid in a single yearly payment or in monthly instalments after the 5th year. The Post Sales Agent will collect your fee by direct debit or standing order. They will contact you at least a month before your fees are due, to set up your repayment arrangement.

You will also receive a statement each year confirming when your fees are payable. The annual statement will also show any payments you have made once you start paying the fee.

The £1 management fee is to cover administration costs over the period of the loan (excluding any administration costs for defaulting borrowers, changes of ownership, consents or repayment costs). This fee is payable by you from the start of the loan until you have repaid it. The fee does not reduce the amount that is owed on the loan. It will be collected by the Post Sales Agent by direct debit each month.


As you will be required to take out a mortgage you will need to get some financial advice first. We work closely with a number of advisors who know the scheme well and the paperwork that is involved. Campbell Homes Limited are here to help, so should you wish to speak to someone regarding your mortgage, please contact us.



Like with any house purchase you will require a solicitor/conveyancer to deal with your sale.

We work closely with a number of firms who know the scheme well and the paperwork that is involved in the process. If you wish to speak with any of these companies please contact Campbell Homes and we can put you in touch with the right people.