Help to Buy: three little words that are changing the face of the property market. Help to Buy is the Government's much vaunted scheme to put a boost in the housing market. It's actually an equity loan and a very good one at that. You won't have to pay anything back for 5 years and even then it's only at 1.75%. The scheme has now been extended to include second hand movers ie not just brand new homes and using the Help to Buy scheme is making all the difference to property owners who've felt excluded from the property market because they cannot raise the deposit required.