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What is Help to Buy & Right to Buy?


The Government-backed scheme helps both first time and non-first time buyers purchase a newly built home or existing property with a deposit of as little as 5 percent.

Ward & Rider’s specialist conveyancing team can help you with:

  • Help to Buy Scheme
  • Right to Buy Scheme


What is the Help to Buy Scheme?

The scheme works by a mortgage guarantee scheme or equity loan. The mortgage guarantee scheme works by offering lenders the option to purchase a guarantee on mortgages where a borrower has a deposit of between 5 and 20 percent. Equity loans are open to both first-time buyers and home movers on new build homes worth up to £600,000. The Government loans up to 20 percent of the cost of a new build home, so you only need a 5 percent deposit and a 75 percent mortgage.

If you need help with the Help to Buy Scheme then please contact our team of experts and we will give you further guidance and direct you to your local Help to Buy agent.

What is the Right to Buy Scheme?

The Right to Buy Scheme allows most Council tenants to buy their Council house at a discounted rate if it is their only or main home which has been rented from a Council, Housing Association or NHS Trust for 5 years. This doesn’t have to be 5 years in a row.

If you need help with the Right to Buy Scheme then please contact one of our experts and we will give you further advice about what to do next.

We also help with:

  • Shared ownership
  • New Build
  • Right to Acquire

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Still have questions?

One of our expert solicitors would be happy to provide answers. Get in touch with Ward & Rider Solicitors today to speak to us, or to book a consultation.