How much deposit do I need for Help to Buy?

For a Help to Buy mortgage in Durham, you are going to need a minimum of a 5% deposit. Your initial deposit amount will be topped up by the government to 25% total.

Whatever the amount is that they loan you, you will need to pay it back eventually. This loan will be interest-free for the first 5 years, then if you don’t manage to pay it off within these 5 years, you will start receiving interest on the loan starting at 1.75%.


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