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Help to Buy

The Government’s Help to Buy schemes are to help buyers with small deposits (5% or over). Take a look to see if this scheme could help you get onto the property ladder

There are two types of scheme available, one that is purely for Newly Built homes (the Equity Loan Scheme) and one for Existing Homes (The Mortgage Guarantee Scheme).

Intercounty can introduce you to Embrace Financial Services who have specialist advisers who are able to discuss Help-to-Buy further and see if you are eligible.

Detailed information can be found on the Government website

Who it’s for:

  • First time buyers and existing homeowners are eligible
  • It must be your only property
  • Try our Help to Buy calculator

How it works:

  • You need 5% deposit.
  • The Government will lend you up to 20% of the property value and if you are buying in Greater London it will be up to 40% 
  • 75% of the mortgage you will need to secure
  • The first 5 years of the loan is interest free and then charged thereafter


Embrace Financial Services usually charges a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.

Help to buy enquiry form

Call us on 01392 453557 for more information or to book an appointment.

Alternatively you can request a call back by completing this form and an Embrace Financial Services adviser will call you to arrange a suitable time for your appointment.

We will use your information in order to arrange for Embrace Financial Services to respond to your enquiry. If you would like to know more about how we use your information, please read our Privacy Notice.

Available Schemes & Criteria

Available Schemes

Help to Buy – Equity Loans on New Builds

This began in April 2013 and allows purchasers of some new build properties to borrow up to 20% of the property’s value from the Government. These loans are interest-free for the first five years. The purchaser needs to contribute a deposit and the mortgage and deposit must cover a minimum of 80% of the total purchase price.

Help to Buy – Mortgage Guarantee

The second phase of the Help to Buy scheme began in October 2013 and is aimed at encouraging banks and building societies to offer mortgages to home buyers with small deposits for properties up to the market value of £600,000.

Help to buy calculator

Use our help to buy calculator to give you an idea of the mortgage you would require based on your property price and deposit.

Loan value

This calculator provides a guide to help to buy equity loan that may be available, the amount of mortgage that you would require based on the purchase price of the property and the deposit that you can afford to put down (min 5%).

This calculator provides a guide only and does not guarantee eligibility for a mortgage. Please contact an Embrace Mortgage Services adviser at your local branch for a personalised Key Facts Illustration.