Yes, you can buy off-plan with the Help to Buy scheme. This means securing a home before it's even built. Buyers choose this option to get their foot on the property ladder using an equity loan from Homes England.
They still need to put down a minimum 5% deposit of the home's full purchase price and secure a second charge on their new build property from registered house builders.
This approach allows future homeowners to plan ahead while taking advantage of the Help to Buy scheme benefits and meeting its requirements, such as repaying the equity loan after 25 years or when selling the property for a maximum property price.