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For first time buyers, saving enough money for a deposit can be a huge hurdle to overcome before you can buy your first home.

The government recognised this and introduced the Help to Buy scheme, which makes it easier to get together enough money for a deposit. It means that you can buy a home with as little as a 5% deposit, and the mortgage repayments will be lower than they would be with a standard mortgage arrangement as the loan is interest-free for the first five years.

The scheme is open to both first- and second-time buyers, providing they do not currently own property either within or outside of the UK. There are lots of Help to Buy houses available in Cardiff, Newport, and the surrounding areas, so you’re bound to find your dream home – read on to check out what properties are available.
 
Central
If you love being in the heart of the action, surrounded by shops, bars, restaurants, and all the leisure amenities you could ever want, consider buying a property in the centre of Cardiff or Newport. There are some great Help to Buy properties available in both cities.

Help to buy properties available in Central Cardiff & Newport: None currently available
 
North East
If you commute to England, you may want to look at the areas to the north east of Newport. Not only will you have easy access to the M4, but you’ll also be close to the Wye Valley Area of Outstanding Natural Beauty, ideal for runners, walkers and nature lovers.

Help to buy properties available in North East Cardiff & Newport: Herons Mead
 
North West
There are some beautiful towns and villages to the north west of the two cities, and if you choose a Help to Buy property in this area you’ll be right on the edge of the incredible Brecon Beacons National Park.

Help to buy properties available in North West Cardiff & Newport: None currently available
 
South East
Love the thought of living on the sea? Consider a Help to Buy property to the south east of Cardiff and Newport and your dreams could come true.

Help to buy properties available in South East Cardiff & Newport: Gwêl yr Ynys, Maes Y Deri, Greystone Meadows
 
South West
To the south west of Cardiff are the Valleys where you can find some fantastic Help to Buy properties. With easy transport links to Cardiff and beyond, this area is a great choice for commuters and families.

Help to buy properties available in South West Cardiff & Newport: Clare Garden Village, Latitude at the Quays

Have a question?

If you need advice for  first-time buying in Cardiff or Newport – or if you’re looking for a reliable mortgage broker in South Wales – don’t hesitate to contact us today.

We’re experts on all things mortgage-related (and our services are always 100% free).

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