: The equity loan is interest-free for the first five years .
The scheme is currently open for applications from both first-time buyers and existing homeowners until September 30, 2026 . Backed by the Welsh Government, this shared equity loan scheme allows you to purchase a new-build home with a 5% deposit . How the Scheme Works welsh gov help to buy
To qualify for the scheme in 2026, the following criteria must be met: : The equity loan is interest-free for the first five years
: From year six, you will pay interest at an initial rate of 1.75% , which increases annually by the Retail Prices Index (RPI) plus 1%. How the Scheme Works To qualify for the
: The home must have a minimum Energy Performance Certificate ( EPC ) rating of B .
: The Welsh Government provides an equity loan for up to 20% of the purchase price.