Buy | Government Housing Help To

You can buy a home for than its market value.

The government guarantees a portion of the mortgage, encouraging lenders to offer 95% loans.

The home must cost less than £250,000 (£420,000 in London) after the discount.

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

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)

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