It is sometimes the case that only people with local connections including working and living requirements and family needs, have access to homes provided by the local authority area within which the properties are located.

The majority of HomeBuy properties are reserved for first time buyers, despite this there are some restrictions and requirements on some properties to make it specifically available to qualifying key workers.




Specific eligibility information is usually set out within the property marketing information packs attained from local authorities.

What to do if you want to apply?

Primarily, a person should contact their local housing authority or their local HomeBuy Agency, both of these work in conjunction with local authorities, their aim is to provide financially affordable home ownership schemes to people in need of housing who would not be able to do it alone.

The local HomeBuy Agent will evaluate your application and advise you of all the home buying schemes for which you may be eligible.

Applicants must demonstrate that they can sustain home ownership. Applicants will not qualify for the Low Cost Housing Ownership schemes if any of the below applies:




  • If the applicant has very bad credit history.
  • If the applicant has had rent arrears at any point in the 12 months previous to applying or if they are in breach of their current tenancy agreement
  • If the applicant is in receipt of any housing benefits or they are receiving housing benefits.
  • If the applicant is a key worker but their permanent employment is terminated from their qualifying profession before the purchase has been completed.

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How Help to Buy Equity Loans Work

  • First time buyers and those already on the property ladder can apply.
  • To qualify a 5% deposit is required.
  • A 75% mortgage must be secured from your bank or building society.
  • The remaining 20% of the property’s value is funded by an equity loan provided by the Government.
  • House prices can’t be more than £600,000 in England and £300,000 in Wales.