To qualify for the scheme in 2026, the following criteria must be met:
: The equity loan is interest-free for the first five years . welsh gov help to buy
: The property must be your primary residence ; you cannot sublet it or own another property at the point of completion. Costs and Repayment To qualify for the scheme in 2026, the
: The loan must be repaid within 25 years , or when you sell the home or reach the end of your mortgage term. The amount repaid is based on the market value at the time of repayment , not the original loan amount. Important Deadlines Application Deadline : September 30, 2026. The amount repaid is based on the market
The scheme is currently open for applications from both first-time buyers and existing homeowners until September 30, 2026 . Backed by the Welsh Government, this shared equity loan scheme allows you to purchase a new-build home with a 5% deposit . How the Scheme Works
: Legal completions must be finalized by June 30, 2027 .