Help to Buy scheme

If you can't afford to buy your first home, Help to Buy can assist.

You may be a first-time buyer who has been priced out of where you want to live, or be unable to raise the necessary deposit to buy a property outright.

Help to Buy is a Government initiative that provides a 'one-stop shop' service to assist eligible individuals and families find affordable housing. The initiative provides information on a range of schemes that are available to people who may not be able to buy a home on the open market.

Available schemes 

Help to Buy includes the following schemes:

Shared Ownership

  • Buy 25%-75% share
  • Rent remaining share
  • Only need a deposit on the share you buy
  • Alternative to renting or buying
  • You can increase the share you own in stages

Equity Loan

  • Help towards buying a new build property
  • 5% deposit needed
  • 20% interest free (for the first 5 years) equity loan provided by the government*

Rent to Buy

  • Also known as discounted rent
  • New and re-let homes available
  • Around 20% cheaper than market rent
  • Enables you to save towards a deposit to purchase through Help to Buy in the future

*Affordability and eligibility criteria applies. The equity loan is interest free for the first five years. but in the 6th year of ownership ,a fee of 1.75% of the market value of your property at the time you purchased is applicable, rising annually by the increase (If any) in the Retail Price Index (RPI) plus 1%.

Help to Buy Agents

The government has appointed a number of agents across England to administer Help to Buy. These agents are professional not-for-profit organisations that specialise in providing affordable homeownership opportunities.

Radian is the appointed Help to Buy agent for Oxfordshire.

Next steps

Visit the Help To Buy South website for full details on what Help to Buy can offer you.

You will also need to register for Help to Buy schemes with us by completing a General Register Housing Application form and requesting to be included on the "Shared Ownership List"