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Help to Buy: Wales

The Help to Buy Wales scheme is backed by the Welsh Government and is designed to make buying your own home easier, with the help of a shared equity loan.  

The scheme is available on new build properties up to £300,000, as long as they’ll be used as your main home. You’ll need a 5% deposit to secure your home. The government will provide up to 20% of the value of the property in an equity loan, meaning you only need a 75% mortgage from a bank or building society.

The maximum amount you can borrow with the shared equity loan with Help to Buy Wales is £60,000, and there is no minimum amount. 

The equity loan can be repaid at any time and will be interest-free for the first five years. After that, interest will be charged at 1.75% of the equity loan, rising annually by Retail Prices Index plus 1%.

The loan is repayable after 25 years, or on the sale of your property if that happens first. The total amount repaid by you will be the percentage of the market value of your home that was funded by the shared equity loan, as well as interest and charges.

Find out more about the Help to Buy Scheme – Wales.

Dreaming of owning your own Lovell home in Wales? Take a look at our current developments. 

Looking for our Help to Buy Calculator?


The Mill, Canton

Help to Buy Wales scheme is available at our Cardiff development - The Mill. To find your new Lovell home - enquire now.

Oakfield Grange, Cwmbran

Help to Buy Wales scheme is available at new development in Cwmbran - Oakfield Grangel. To find your new Lovell home - enquire now.