Formerly the Mortgage Guarantee Scheme, this was made permanent in 2026 to help buyers with small deposits.
This allows you to "part-buy, part-rent" a property, usually from a housing association.
Government house buying schemes are primarily designed to help first-time buyers and those on lower incomes overcome the hurdle of large deposits or high property prices. As of April 2026, several key programs exist in the UK to make homeownership more accessible. 🏠 Key UK Government Schemes (2026) 1. Freedom to Buy (Mortgage Guarantee Scheme)
The government provides a guarantee to lenders, encouraging them to offer 95% mortgages. Deposit: Only 5% required.
You only need a deposit for the share you are buying (e.g., 5% of a 25% share), making it much lower than buying outright.
Formerly the Mortgage Guarantee Scheme, this was made permanent in 2026 to help buyers with small deposits.
This allows you to "part-buy, part-rent" a property, usually from a housing association.
Government house buying schemes are primarily designed to help first-time buyers and those on lower incomes overcome the hurdle of large deposits or high property prices. As of April 2026, several key programs exist in the UK to make homeownership more accessible. 🏠 Key UK Government Schemes (2026) 1. Freedom to Buy (Mortgage Guarantee Scheme)
The government provides a guarantee to lenders, encouraging them to offer 95% mortgages. Deposit: Only 5% required.
You only need a deposit for the share you are buying (e.g., 5% of a 25% share), making it much lower than buying outright.
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