Want to buy your dream home sooner rather than later? With Help to Buy it’s easier than you think.

How it works

  • You’ll need a minimum 5% deposit
  • Get a 20% equity loan from the government* (up to 40% if you're buying in London)
  • Top up with a 75% mortgage
  • Available to both first and next time buyers
  • Maximum property value £600k

What’s involved?

  1. Choose from our range of stunning new homes available under the scheme. Our Sales Advisors can help you identify which homes are available.
  2. Our independent mortgage advisors can then take you through the pre-qualification process. Subject to approval, the government will lend you up to 20% of the purchase price through an equity loan.
  3. Confirm you have a minimum 5% deposit.
  4. Pay your reservation fee.
  5. You’ve now secured your new home and can look forward to adding your personal touches and moving in.

Equity loan fees

There are no loan fees for the first 5 years of owning a home under this scheme. In the 6th year, a fee of 1.75% of the loan’s value is charged.

After this, the fee will increase every year. The increase is worked out as a multiple of the Retail Price Index plus 1%.

Find out more

Speak to the sales team at the development you are interested in to find which properties qualify for Help to Buy.

explore our full range of buying options

Buying options

Our developments

With ZeroC, you can be sure of the right home in the right place. From Inverness to Truro, we have a wide range of high quality, bespoke developments.

We lead the way in delivering outstanding homes that respect the environment, while remaining inexpensive to live in.