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Help to Buy, quick question

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Hello,


Just a quick question on help to buy, obviously it is well advertised that you can borrow 20% of the house asking price.
Am I right in assuming then that you can potentially borrow anything up to that i.e 3%, 5 % , 10%.
20% of the house we are after comes too 92K, we at the most only want roughly 20K, is this possible to borrow a lesser amount?, or do you have to borrow in set increments (10% or 20% etc). Thanks

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