Help to Buy Schemes UK 2026

A complete guide to UK government housing support schemes for first-time buyers and home movers. Understand eligibility criteria, how each scheme works, and which might suit your situation.

Current Government Schemes

• Mortgage Guarantee Scheme — Buy with a 5% deposit; government backs the lender's risk
• Shared Ownership — Buy a 25–75% share of a property and pay subsidised rent on the rest
• Right to Buy — Purchase your council or housing association home at a significant discount
• Lifetime ISA — Save up to £4,000/year and get a 25% government bonus (max £1,000/year)
• First Homes — New-build homes sold to first-time buyers at a 30–50% discount