Government Housing Help To Buy <2026>

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

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

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 must be a first-time buyer with a

This permanent scheme helps you buy a home with just a . government housing help to buy

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

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

You can buy a home for than its market value.