Government Housing Help To Buy May 2026

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 household income under £80,000 (£90,000 in London).

You can buy a home for than its market value. government housing help to buy

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

The government guarantees a portion of the mortgage, encouraging lenders to offer 95% loans. In 2026, government help for buying a home

This permanent scheme helps you buy a home with just 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 buy a home for than its market value

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