How much deposit do I need for Help to Buy?
For a Help to Buy mortgage in Cardiff, you are going to need a minimum of a 5% deposit. The Government will top-up your deposit to make up 25%.
This loan from the Government will need to be paid off eventually. For the first 5 years, the loan will be interest-free, if you don’t manage to pay it off within this time, the remaining loan amount will rise with an interest base rate of 1.75%.
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