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The Government help to buy scheme is a great way for first-time buyers to get on the property ladder. The scheme offers an interest-free loan of up to 20% of the value of the property, which can make buying a home more affordable. To be eligible for the scheme, the value of the property must be under £600,000. The property must also be your main residence and you must have a minimum 5% deposit. Besides that, you cannot rent the house and it must be a new building.