: The loan must be repaid within 25 years , or when you sell the home or reach the end of your mortgage term. The amount repaid is based on the market value at the time of repayment , not the original loan amount. Important Deadlines Application Deadline : September 30, 2026.
: You provide a minimum 5% deposit of the property's purchase price. welsh gov help to buy
: 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%. : The loan must be repaid within 25
: Legal completions must be finalized by June 30, 2027 . : You provide a minimum 5% deposit of
: The property must be your primary residence ; you cannot sublet it or own another property at the point of completion. Costs and Repayment
