A key worker is a public sector employee who is considered to provide an essential service. The term is often used in the United Kingdom in the context of those essential workers who may find it difficult to buy property in the area where they work.

HomeBuy Schemes Available for Key Workers

HomeBuy Schemes

The government has in place several schemes or options that first time buyers on incomes below £60,000 can take advantage of and get onto the property ladder.

HomeBuy Schemes


Information on the elgibility for the HomeBuy Scheme

Low Cost Home Ownership Eligibility

Applicant Rules

Learn about the rules of applying for the HomeBuy Scheme

Applicant Rules

HomeBuy Agents

Each region of the country has its own dedicated agents to help you navigate the schemes and the real estate market. Follow this link to find out the contact details for the one in your area.

HomeBuy Agents

Mortgage Calculator

Equity Loan Mortgage Calculator

Whether you're a first-time buyer or already a property owner you could buy a new home with a small deposit of 5%, heres how.

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.



House Price





Min (5% of house price)£2,500


Max (30% of house price)£15,000

Interest Rate





Min25 Years

30 Years

Max35 Years

Without Help to Buy

Your deposit £2,500 5%
Your mortgage £47,500 95%
Monthly Payment £213.30  

With Help to Buy

Your deposit £2,500 5%
Help to Buy Loan £10,000 20%
Your mortgage £37,500 75%
Monthly Payment £168.39  

This calculator is provided to give you basic guidance only. This information is computer-generated and relies on certain assumptions. It has only been designed to give a useful general indication of costs. Its important you always get a specific quote from the lender and double-check the price yourself before acting on the information. We cannot accept responsibility for any errorsand recommend that you obtain exact figures from a specific lender before committing to any mortgage.