: 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%.
To qualify for the scheme in 2026, the following criteria must be met: welsh gov help to buy
: You provide a minimum 5% deposit of the property's purchase price. : From year six, you will pay interest
: 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. The amount repaid is based on the market
: Legal completions must be finalized by June 30, 2027 .
: You secure a repayment mortgage for the remaining 75% from a qualifying lender. Key Eligibility Requirements