Government Housing Help To Buy Now

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

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

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

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 can buy a home for than its market value. The home must cost less than £250,000 (£420,000

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. First Homes Scheme (England)

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)