Help to Build – making building your own home more affordable


sarah brooke-taylor


With the government’s ‘Help to Build: Equity Loan scheme’, building a home of your own or hiring someone to build one for you could become a reality.  This guide will help you to understand how the equity loan works and what’s involved when you borrow one.

Custom and self build homes are not just for those who have owned or built a home before. Once your home is built we pay the equity loan to your lender to reduce the amount of repayment mortgage you need.

No interest is charged on the equity loan for the first 5 years. You will start to pay interest from year 6, until the equity loan is paid back in full.

Homes England lend the Help to Build equity loan. Homes England is an executive non-departmental public body sponsored by the Department for Levelling Up, Housing and Communities.