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All of our beautiful new homes qualify for the Help to Buy scheme, making them the ideal match for first-time buyers looking for somewhere to call their own.

Let our fantastic sales advisors talk you through the process of making your purchase – the dream home is never far away with Keepmoat Homes


At Keepmoat Homes, we’re dedicated to creating great places for you to live, work and play.

Help to Buy


Help to buy is a Government-backed scheme that allows you to move into a new home with just a 5% deposit.
The Government lends you up to 20% of the cost of your newly built home, so you’ll only need a 75% mortgage to make up the rest, plus your 5% cash deposit.

Help to Buy Equity Loan

In this example you could buy a house with a deposit of only £15,000 and by using Help to Buy you could reduce your mortgage to £225,000. The Goverment’s loan is interest free for the first 5 years and it must be repaid after 25 years, or earlier if you sell your home. This scheme is available to all home buyers (not just first time buyers) who wish to buy a new build home.


What happens if I sell my Help to Buy Home?

The Help to Buy Equity Loan must be paid in full when you sell your home. And if you received a loan for 20% of the value when you bought the home, you’ll have to pay back 20% of the value when you sell. So if your home has increased in value, you’ll have to pay back a little more than you borrowed.
An independent valuer will decide what your home is worth.


Help to Buy CALCULATOR

  • Property price (£)

  • Your Deposit

    £5,000

  • Your HTB Equity Loan

    £20,000

  • Your Mortgage

    £75,000

Here’s the criteria you’ll need to meet to qualify for a mortgage under the scheme:


  • The property must be a new-build. All Keepmoat homes in England up to £600,000 qualify for Help to Buy.
  • You can’t own any other property anywhere in the world while you’re under the scheme.
  • Your mortgage must be a repayment one. Interest only, offset and guarantor mortgages are excluded from the scheme.
  • You can’t let out the property to somebody else – it must be the home you plan to live in.
  • Help to Buy is not for investors.
  • Your mortgage can be taken out by an individual or individuals but not by a company.
  • You can’t use Help to Buy Equity Loan with any other Government scheme.
  • The mortgage used to pay for the remaining 75% must be less than 4.5 times your income.


EasyMove

Now Keepmoat can help you sell your current home, from valuation to completion. So you can focus on moving into your new home and start a new chapter in your life.

As the name suggest, Easymoves service will make selling your home much easier, helping you save your precious time and money.

Reserve and relax

Once agreed, we will complete an Easymove reservation form - then sit back and relax while we manage the sale of your existing property for you.


We'll do the hard work for you

Once agreed, we will complete an Easymove reservation form - then sit back and relax while we manage the sale of your existing property for you.

Let us settle the bill for you

And to make things even easier we’ll pay the agent’s fees for you. This could save you thousands of pounds. So with Easymove you don’t just save time, you save money too.


Shared Ownership


Shared Ownership is a scheme that offers you the chance to buy a share of your home (between 25%-75% of the home’s open market value) and pay rent on the remaining share. To find out more info and if you are eligible, please visit our Shared Ownership partner Love Living Homes website on the link below

Shared Ownership

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