Should I use the help-to-buy scheme for a new-build home?

I’ll need to repay 12.5% of the value when I pay the loan off – I might lose out if it’s worth more Q My wife and I have reserved a new-build property in Surrey costing £600,000. We are now considering whether or not to use the help-to-buy scheme. If we did we would put down a deposit of 7.5%, get a help-to-buy loan of 12.5% and a mortgage of 80% of the value of the house. If we didn’t use the help-to-buy scheme, we would have a 10% cash deposit and 90% mortgage.Ass