Helping you find your perfect home

Help to Buy

With the Help to Buy – Wales: Equity Loan Scheme, you can buy a new home with just 5% deposit and a repayment mortgage for 75% – whether you’re a first-time buyer or you’re moving on from your existing home. Help to Buy – Wales is currently available on homes up to the value of £250,000.

In this example, if eligible, the Welsh Government lends you up to 20% of the cost of your newly built home, so you’ll need a 75% mortgage to make up the remainder of the purchase price. The loan is interest-free for 5 years and can be repaid at any time, or on the sale of the home. The 20% loan has a £1 monthly management fee, and in year 6 a fee of 1.75% of the loan is charged, also paid monthly by direct debit. This fee increases annually, in April, by the Consumer Price Index (CPI) + 2%. The loan can be repaid at any time at an amount equal to the 20% of the market value at the time you choose to repay, whether the property value has increased or decreased, or partial repayments are allowable. The first part payment must be at a minimum amount of 10% of the market value at the time of repayment. The loan must be repaid on the sale of the property, when you pay off your repayment mortgage or reach the end of your loan term, normally 25 years.


Your home may be repossessed if you do not keep up repayments on your mortgage. A set fee may be payable upon completion of the mortgage when you buy through the Help to Buy – Wales: Shared Equity Loan Scheme. The scheme is not regulated by the Financial Conduct Authority (FCA). For more details visit:

How it works


You will need to put down a 5% deposit


A Help to Buy Equity loan will contribute 20%


You will need a mortgage for the remaining 75%


Assisted Home Ownership

The scheme offers newly built properties on a shared equity or shared ownership basis. The properties are made available by private sector house builders on specific housing developments in Cardiff.

Shared equity

This usually means that a successful applicant will finance the greater share of the property through a mortgage and personal savings. And the council, or a nominated housing association, will finance the lesser share.

The exact share available to own will depend on the criteria of the property offered under the scheme, but this will typically be 70%. As this is a shared equity arrangement you won’t have to pay rent on the share that you do not own.

You will repay the share you don’t own when you sell the property or buy it outright. This will be based on the current market value at the time.

Shared ownership

Usually the scheme runs on the shared equity model but occasionally an ownership opportunity becomes available. This differs from the shared equity in that the successful applicant would pay a discounted rent on the percentage of the property that they do not own. This allows you to buy further shares (known as ‘staircasing’). This means you could achieve 100% ownership depending on the terms of the lease.


Some properties will become available when existing owners who have bought through the scheme decide to sell. We refer to these as resales.

If you bought through the scheme and now wish to sell your property, you must let us know first so that we can find a buyer from the list of applicants on the scheme. If we are unable to find a buyer for your property within a given time, you are free to sell your property on the open market and repay the council or housing association the agreed share of the purchase price.

Rented and Affordable Accommodation

Visit our dedicated website to find information about rented and affordable accommodation in Cardiff and aims to help those looking for a home to make choices about the most suitable option for them.

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