Help to Buy

Buying your first home has never been easier.

At Fernham Homes, we want to help you buy your dream home, which is why Help to Buy* is available on selected homes.

The scheme allows you to purchase your first home with just a 5% deposit and a 20% government loan, so you could be moving sooner than you think.

Move with just a 5% deposit

Gain a 20% government equity loan*

Purchase your chosen home with a 75% mortgage

Here's how it works

  1. Choose from our range of stunning new homes available under the scheme, up to a maximum purchase price of £437,600.
  2. To secure your home you’ll need a deposit of 5% of the purchase price.
  3. We’ll put you in touch with our independent mortgage advisors for the qualification process and your mortgage application. You’ll need to secure a conventional mortgage for 75% of the purchase price and, subject to approval, the government will lend you up to 20% of the purchase price through an equity loan.
  4. You won’t be charged interest for the first five years, which helps make your monthly mortgage repayments more affordable.
  5. There are a range of competitive mortgage rates available with this scheme, so you can find something to suit your budget.
  6. The scheme is designed for first-time buyers only, so is not available for a second home, an investment, or a buy to let purchase.


*Subject to scheme rules – For more information visit