First-time buyers benefit from Help-to-Buy

First-time buyers benefit from Help-to-Buy

Buying a property for the first time can be a daunting experience. However, government Help-to-Buy (HTB) Equity Loan schemes have been an essential support system for first-time buyers (FTBs) in England and Wales since their introduction in April 2013 and January 2014, respectively. Heenay Joshi Property Experts takes a closer look at how this initiative has transformed the property landscape for FTBs.

Key Figures and Impact on First-Time Buyers

  • Beneficiaries of the Scheme: Over 265,000 FTBs in England and Wales have benefited from the HTB Equity Loan schemes, underscoring their significance in promoting home ownership among new buyers.
  • FTB Dominance: An impressive 82% of all HTB equity loan property purchases from April 2013 to December 2020 have been made by FTBs.
  • Deposit Requirements: In England, 58% of FTBs purchase with the minimum 5% deposit, while 23% have a deposit between 5.1% and 10%. This demonstrates the scheme’s flexibility and accessibility.
  • Price Statistics: The average FTB HTB property price in England is £311,635, a notable £50,000 less than for non-FTBs, offering considerable savings.

Resilience During Challenging Times

Despite the market closure in 2020, FTB HTB purchases were only 5% lower than in 2019. In fact, 17,700 completions occurred in the final quarter, virtually doubling the 5-year quarterly average from 2015 to 2019. This resilience speaks volumes about the scheme’s continued relevance and appeal.


The Help-to-Buy Equity Loan schemes have proven to be instrumental in aiding first-time buyers in England and Wales, offering them not only financial advantages but also confidence in their journey to home ownership. The statistics reflect a positive picture of accessibility and affordability, which are vital in today’s property market.

Whether you’re looking to buy or sell your home in Stratford Upon AvonLeamington SpaKenilworthWarwickKnowleDorridgeBalsall CommonBerkswellMeridenCorleyFillongleyHockley HeathHampton In ArdenHenley In ArdenTanworth In ArdenSouthamEarlswoodLapworthClaverdonShrewleyLeek Wootton, or Compton Verney, please click the link.

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