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. government housing help to buy

You must be a first-time buyer with a household income under £80,000 (£90,000 in London). In 2026, government help for buying a home

The home must cost less than £250,000 (£420,000 in London) after the discount. You must be a first-time buyer with a

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

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