Government Housing Help To Buy -

You can buy a home for than its market value.

The home must cost less than £250,000 (£420,000 in London) after the discount.

You can find participating lenders through sites like MoneySavingExpert. 3. Shared Ownership (UK-wide) Government house buying schemes in 2026 government housing help to buy

This permanent scheme helps you buy a home with just a .

The government guarantees a portion of the mortgage, encouraging lenders to offer 95% loans. You can buy a home for than its market value

The discount stays with the property. When you sell, the next buyer must also be eligible and receive the same discount. 2. Freedom to Buy (Mortgage Guarantee Scheme)

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

Open to both first-time buyers and home-movers for properties up to £600,000.