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Help-To-Buy Deadline – Autumn 2022

29 June 2022 / Corporate News

5% Deposit Solutions For First Time Home Buyers Ending Soon

Are you a first time buyer that wants to get on the property ladder in 2022? 

At Stirling Ackroyd, we specialise in supporting every customer every step of the way. So, if you want to find a new-build property to call home, help is at hand. Let Stirling Ackroyd show you the way.

Head of Land and New Homes at Stirling Ackroyd, George Davey

My team and I pride ourselves on the quality properties that we offer and the practical guidance that we can offer First Time buyers. With so many fantastic new build properties on the London and Surrey markets, finding the perfect flat or off-plan house is hard but not impossible. For many, the main challenges are financial, and typically that means making a modest deposit stretch when it comes to raising a purchase amount. 

The good news is that the UK government’s Help-to-Buy equity loan scheme is still live and kicking. With a 5%(+) deposit, first time buyers in London can borrow up to £40,000 against their first home mortgage, all at a preferential interest rate. In effect, the scheme reduces your initial bank mortgage and offers extended payment terms to make repayments more affordable – a serious boost in the early days when home moving costs and fit-out expenses are needed.  

Download your guide to help-to-buy loans here.

It’s a great scheme that many of our customers have used. More than 339,000 first time buyers have bought homes this way. But time is running out. Applications for loans must be received before October this year, even though the scheme officially ends in March 2023. If you are looking to buy your first home, get in touch and we can help you find the property and finance you need.

This is an ‘equity loan’, which means the repayable amount rises or falls with the home’s value, and is repaid when the home is sold.

Are you eligible for a help-to-buy loan?

You must be: 

  • 18 or over
  • A first time buyer
  • Living in the UK


  • Exclusive to first time buyers
  • You can borrow 20% (40% in London) of the property price from the government 
  • Your deposit can be as little as 5%
  • You may be offered better mortgage rates


  • Only available on new build properties signed up to the scheme
  • You can only buy properties up to a certain value 
  • The loan becomes more expensive after the interest free period ends
  • The amount you have to repay grows as the value of your home does

Contact our mortgage experts to help you get on the property ladder: Click here.

Stirling Ackroyd. Featured New Build Homes.

Environmental. Practical. Sustainable. Properties that work for you and for the world. With an exciting wave of new developments coming on the London market this year, Stirling Ackroyd’s home buyers are considering moving away from what can be costly older homes in favour of efficient new ones as they seek future-proof home efficiencies and structural security. Read more about the BENEFITS OF BUYING A NEW HOME with Stirling Ackroyd. (@Raluca – please link to the previous story on this). 

All featured developments are currently accepting Help-To-Buy applications for properties valued at up to £600,000 (London cap)


New Cross Gardens is a high-end collection of well-considered double and triple aspect 1, 2 and 3 bed apartments set in an urban oasis in South East London’s SE14. These apartments have been built using cutting edge materials that deliver high quality, generously proportioned homes with excellent eco-credentials. All the apartments benefit from generous private outside space and many have stunning City views. The site is in a superb location approximately 2 minutes from New Cross station, so it has excellent transport links to The City and London’s West End while benefiting from the many amenities that New Cross and Deptford have to offer.

Click here to register and learn more.


Set within the grounds of the church, our new building is a collection of eight luxury one and two bedroom apartments offering luxury, contemporary urban living in perfect harmony with the church conversion next door. Each apartment offers quality design, high specification interiors, bespoke kitchens and light filled spaces. All have a private outside terrace or a balcony space to enjoy views over the surrounding area and London skyline.

Click here to register and learn more.


Set on the banks of the River Thames with panoramic views of The O2 and Canary Wharf, Goodluck Hope reimagines the warehouse aesthetic by turning a historic dockyard into a new residential quarter with a wealth of amenities, cafés, bars, shops and restaurants on your doorstep. And it’s only an 8 minute walk from the Jubilee line!

The Government’s London Help to Buy scheme will be available for the first time at Goodluck Hope this Spring, offering a limited number of suites and one bedroom apartments available to move into this Summer.

Click here to register and learn more.

Deadline in October 2022.

The Help-to-Buy: Equity Loan scheme will close to new applications at 

6pm on 31 October 2022.

UK GOV – Click here to read more

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