Help to Buy

Buying a new 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.

And you don’t have to be a first time buyer to be eligible. The scheme can help homebuyers to move up the next rung of the property ladder.

The scheme allows you to purchase your new 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 £600,000.
  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 the purchase of a person’s primary home 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