Formerly the Mortgage Guarantee Scheme, this was made permanent in 2026 to help buyers with small deposits.
You only need a deposit for the share you are buying (e.g., 5% of a 25% share), making it much lower than buying outright. government house buying schemes
You can buy more shares over time until you own 100%. 3. First Homes Scheme First Homes scheme: first-time buyer's guide - GOV.UK Formerly the Mortgage Guarantee Scheme, this was made