Government — House Buying Schemes

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

The government provides a guarantee to lenders, encouraging them to offer 95% mortgages. Deposit: Only 5% required. government house buying schemes

You buy a share (typically between 10% and 75% ) and pay rent on the remaining portion. You can buy more shares over time until you own 100%

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) 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.