With a Help to Buy: Equity Loan the Government lends you up to 20% of the cost of your newly built home, so you’ll only need a 5% cash deposit and a 75% mortgage to make up the rest.

You won’t be charged loan fees on the 20% loan for the first five years of owning your home.

Who is eligible?

Equity loans are available to first time buyers as well as homeowners looking to move. The home you want to buy must be newly built with a price tag of up to £600,000. You won’t be able to sublet this home or enter a part exchange deal on your old home. You must not own any other property at the time you buy your new home with a Help to Buy: Equity Loan.

Help to Buy scheme example for a property valued at £300k:

5% deposit: £15,000
Government's 20% loan: £60,000
75% mortgage from commercial lender:
Total: £300,000


Open: the Help to Buy: ISA is available from a range of banks, building societies and credit unions.

The accounts are available to each first time buyer, not each household. This means that if you are planning to buy with your partner, for example, you could receive a government bonus of up to £6,000 towards your first home.

Save: save up to £200 a month into your Help to Buy: ISA. To kickstart your account, in your first month, you can deposit a lump sum of up to £1,200.

The minimum government bonus is £400, meaning that you need to have saved at least £1,600 into your Help to Buy: ISA before you can claim your bonus. The maximum government bonus you can receive is £3,000 – to receive that, you need to have saved £12,000.

Receive bonus: when you are close to buying your first home, you will need to instruct your solicitor or conveyancer to apply for your government bonus. Once they receive the government bonus, it will be added to the money you are putting towards your first home. The bonus must be included with the funds consolidated at the completion of the property transaction. The bonus cannot be used for the deposit due at the exchange of contracts, to pay for solicitor’s, estate agent’s fees or any other indirect costs associated with buying a home.

This scheme will provide a bonus from the Government provided you have savings of at least £1,600. The bonus will be 25% of your savings up to a maximum bonus of £3,000.

Savings below £1,600. You do not have sufficient savings for a bonus.

Savings between £1,600 and £12,000. The Government will top up your savings by 25%.

Savings over £12,000. The Government will top up your savings by £3,000


  • It is available to UK citizens and those with a right to remain indefinitely in the country

  • It covers full ownership only and is therefore not available on shared equity or shared ownership

  • It is available for the purchase of a person’s primary home only, so not for second homes or buy to let properties

  • It applies to capital repayment mortgages rather than interest only mortgages

  • Buyers must be able to provide their own deposit and not from a local authority or other body

  • A home buy agent check will be required

  • For further information contact your Hollins Homes sales executive on site or refer to

*20% loan is interest free for the first 5 years. 5% deposit is applicable with the Government’s Help to Buy scheme. Available on selected plots only. Buyers will need to have sufficient funds to pay legal and sundry costs. Equity deposit percentage may be subject to lender’s and Government criteria. Prospective buyers should always seek independent financial advice before proceeding. Hollins Homes works with independent financial advisers who are able to provide appropriate advice. Hollins Homes terms and conditions apply. Subject to status.

Use our easy Help to Buy calculator and see if Help to Buy can get you moving.

Begin your search now and get a quick understanding of what you are able to borrow and what it will cost you on a monthly basis. Please start by entering your Household Income.

Help to Buy calculator

Results with Help to Buy

Estimated monthly mortgage repayment
5% deposit £23,750
20% Help to Buy Equity Loan £95,000
75% mortgage £356,250
Property value £475,000

With Assisted Mover we aim to reduce some of the stress and cost of selling your current home, giving you more time and money to spend on your brand new Hollins Home.

If you have set your heart on one of our new homes, but still need to sell your current property, Hollins Homes can help to find you the right buyer with our Assisted Mover scheme.

Via our Assisted Mover scheme, we manage the sale of your current home, we pay your estate agent fees*, and we ensure a fast sale at the best price. You can sit back, relax and let us do the hard work selling your current home!


These are the simple steps to secure your dream Hollins home:-

  1. You choose your dream Hollins Home

  2. We select the right Estate Agent to provide a realistic market valuation of your current home

  3. Together we agree the asking price and our Estate Agent markets your property for an agreed period

  4. We follow up on all viewings, keeping in regular contact with our Estate Agent, and we keep you fully updated along the way

  5. Once we find a buyer for your current home, you then reserve your dream Hollins home**

  6. As you move into your dream Hollins home, we pay your estate agent fees saving you thousands!*

To take advantage of our Assisted Mover scheme, or to simply find out more, speak with your Hollins Homes’ Sales Consultant today.

*Estate agent fees will be paid up to 1.5% of the achieved sale price on your current home. 
**Standard £500 reservation fee applies on your chosen Hollins Home. Subject to Hollins Homes’ Terms & Conditions which can be requested on application. This offer cannot be used in conjunction with other offers. Hollins Homes will continue to market your chosen plot and has the right to sell your chosen plot to any prospective purchaser who is in a position to proceed prior to you selling your current home. In this circumstance, you will be contacted immediately and offered a suitable replacement plot if available. 

Stamp Duty Savings

Purchasing your new home can be a real financial strain. Saving for a deposit, budgeting for legal fees and mortgage repayments can make it almost impossible for you to get onto the property ladder.

Help is at hand. Following the recent Government announcement stamp duty will be cut for 98% of people who pay it. With the introduction of a banding system you could make significant savings on the stamp duty you have to pay.

How it works: 

Much like income tax rather than paying a fixed percentage dependent on the total sale price of the property, the percentage of stamp duty will now only be applied on the portion of the property price in specific brackets. 

At Hollins Homes we understand and appreciate the valuable job carried out by Civil Servants. Therefore, members of our much loved Armed Forces, NHS, Police Force and Fire Service – looking to purchase a new Hollins Home – will qualify for our ‘Civil Servant Discount Scheme’. You will be offered a 1.25% discount of the gross selling price!

Our ‘Civil Servant Discount Scheme’ is available on selected properties and subject to Terms and Conditions. Speak with your Sales Consultant for further information.