Help to Buy

We know it’s not easy buying your first home or moving up to a new one. At Fernham Homes we want to help you buy the home you need for you and your family. With the Government’s Help to Buy scheme that dream can now be a reality.

Help to Buy means you can buy your first home, or your next home, with just a 5% deposit and a 20% Government loan.


Typical Example

Cost of your new home - £300,000
5% Deposit - £15,000
20% Government Loan - £60,000
75% Mortgage - £225,000
Total - £300,000

Don't just take our word for it:

“Help to Buy has really made a difference to us; it helped us purchase a home sooner rather than later in the area we want to live. Our new home is beautiful and in a great location within easy walking distance of the railway station which was really important to us.”

Jake & Laura (Graphic Designer & Account Manager)

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 is 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, investment or a buy to let purchase.

Market Place


See More

Pearsall Place

Borough Green

See More

Downsview - South

Westerham, Nr. Sevenoaks

See More