We'll lend you money to get you on the ladder

HomeBuy Direct is a new shared equity scheme that makes buying easier. We offer buyers an equity loan of up to 30% of the price of a new property, so you can buy a home with a smaller mortgage.

You only need to find funding for 70% of the property’s price – and you can do that by using any savings you have plus a mortgage. Even better, there's no interest payments on the equity loan for the first five years.

This product is only available to those who have a household income of less than £60,000 per year. To find out more, download the Homebuy Direct brochure.

Properties in Scotland operate under a different Shared Equity Scheme where the Scottish Government provides equity funding of up to 40% of the property's value and you fund the rest of the purchase with a mortgage and/or your savings. Go to Homes in Scotland to find out more.