Government Housing Help To Buy | Easy

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)

You can find participating lenders through sites like MoneySavingExpert. 3. Shared Ownership (UK-wide) Government house buying schemes in 2026 government housing help to buy

Open to both first-time buyers and home-movers for properties up to £600,000. In 2026, government help for buying a home

You must be a first-time buyer with a household income under £80,000 (£90,000 in London). The discount stays with the property

The discount stays with the property. When you sell, the next buyer must also be eligible and receive the same discount. 2. Freedom to Buy (Mortgage Guarantee Scheme)

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.