The Governments help to buy scheme allows you to purchase a home with a minimum deposit of just 5 %. When using the help to buy scheme the government will lend up to 20% of the property value in England and Wales, 40% in London, or 15% in Scotland. You then take out a mortgage on the rest of the property’s value (so, if your deposit was 5% and your equity loan was 20% you’d take out a 75% LTV mortgage). What’s more, there’s no interest to pay on the government's equity loan of the first 5 years, after this interest will start to be charged on the amount of your equity loan.
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