Helping you find your perfect home

Help to Buy - Wales

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 £300,000.

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%


Mover Assist

Our Mover Assist Scheme can help you to move seamlessly into your brand-new, Cardiff Living Home. If you have your heart set on one of our new homes, but still need to sell your current property, we can help you to find the right buyer.

We’ll reduce some of the costs and stress of selling your current home, giving you more time and money to spend on your new Cardiff Living Home. Working with our partner agents, Allen & Harris, we will pay your estate agency fees* and help you obtain a fast sale at the best possible price.

The six simple Mover Assist steps to secure your Cardiff Living Home:

  • JN3589_WAT_CAR_Icons-01

    1. Select your perfect Cardiff Living Home

  • JN3589_WAT_CAR_Icons-02

    2. We ask our partner agent, Allen & Harris to provide a realistic market price for your home along with a ‘Cost of Moving’ appointment to ensure all selling and buying costs for your home are explained to you.

  • JN3589_WAT_CAR_Icons-03

    3. Together we agree the asking price for your home and Allen & Harris prepare all the property details and website entries on their enhanced marketing package

  • JN3589_WAT_CAR_Icons-04

    4. We follow-up on viewings of your home, and keep you fully updated along the way

  • JN3589_WAT_CAR_Icons-05

    5. Once we find a buyer for your current home, you can then reserve your Cardiff Living Home

  • JN3589_WAT_CAR_Icons-06

    6. When you move into your new Cardiff Living Home, we pay your estate agency’s* fees saving you thousands of pounds

*Allen & Harris fees are paid up to 1% to a maximum amount of £5,000, all fees are subject to vat at the prevailing rate. Fees are based the contracted price of your home and will be paid separately or deducted from your completion statement on the purchase on your Cardiff Living/Wates Home. Standard £500 reservation fee applied on your chosen Cardiff Living Home and is subject to their Terms and Conditions which can be requested up application. This offer is available on Cardiff Living Home outright sale scheme and not First Homes Cardiff. It is can also not be used in conjunction with other offers and is subject to availability and on selected plots only. Wates reserve the right to withdraw the scheme at any time. Cardiff Living will continue to market your chosen plot and has the right to sell this plot to any prospective purchaser who is in a position to proceed prior to you agreeing a sale on your property. In these circumstances, you will be contacted and offered a suitable replacement plot if available.

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.

Register your interest

Call us

Our Information line is open seven days a week, 10.00 am - 5.00pm.

    General Information

    Request a call back/register for updates

    Please complete your details and we’ll be in touch soon.

    It is important to us that you know exactly how we look after your personal information. For further information please read our Privacy Policy and our website Terms and Conditions. We will only pass your details to our sales team or appointed sales agents who will contact you to confirm your requirements and answer any questions you may have.