Government House Buying Schemes Apr 2026

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

The government provides a guarantee to lenders, encouraging them to offer 95% mortgages. Deposit: Only 5% required. Formerly the Mortgage Guarantee Scheme, this was made

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

You can buy more shares over time until you own 100%. 3. First Homes Scheme First Homes scheme: first-time buyer's guide - GOV.UK