Help To Buy - Government Housing

You can buy a home for than its market value.

The government guarantees a portion of the mortgage, encouraging lenders to offer 95% loans. government housing help to buy

In 2026, government help for buying a home focuses on discounts, small deposits, and shared equity rather than the original "Help to Buy" loan, which has closed in most areas. 1. First Homes Scheme (England) You can buy a home for than its market value

You can find participating lenders through sites like MoneySavingExpert. 3. Shared Ownership (UK-wide) Government house buying schemes in 2026 000 in London).

You must be a first-time buyer with a household income under £80,000 (£90,000 in London).