Help to Buy is a government scheme in the UK designed to assist first-time homebuyers in purchasing a property. It offers financial support through equity loans, allowing buyers to secure a mortgage with a smaller deposit. This makes it easier for individuals to enter the housing market. The scheme is available for new-build homes and can cover up to 20% of the property's value, or 40% in London. Buyers only need a minimum deposit of 5%, making homeownership more accessible for those who may struggle to save for a larger down payment.