Armed Forces Help to Buy
Enhanced schemes for current and former military personnel, often with priority consideration when multiple households make offers and extended eligibility periods.
Government Backed Schemes
Buying your first home is one of life's biggest decisions. We help you understand which government schemes could help reduce the deposit you need or make homeownership more affordable.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Mortgages are subject to underwriting and criteria. Check terms and conditions.
This information is for guidance only and does not constitute financial advice.
Government Scheme Guide
Understanding your options
Different government schemes help different situations. We take time to understand what homeownership means for you and explain which programmes could genuinely help your circumstances.
Government schemes available:
- Shared ownership to buy a share of your home and pay affordable rent on the rest
- Right to Buy for council tenants to purchase their homes at a discount
- First Homes scheme offering discounts on new-build properties in England
Buy a home with just a 5% deposit on properties up to £600,000. Available for first-time buyers and people moving home, covering both new-build and older properties across the UK.
Council tenants can buy their homes at a discount based on how long they’ve been tenants. We help you understand if this option works for your circumstances.
New-build homes in England sold at a minimum 30% discount to first-time buyers and key workers. We explain the eligibility requirements and help you find participating developers.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Support for specific circumstances:
Home Ownership for People with Long-Term Disabilities (HOLD)
Available when other shared ownership properties don’t meet your accessibility needs, such as requiring ground floor accommodation.
Older Persons Shared Ownership (OPSO)
For buyers aged 55 and over, allowing purchase of up to 75% share with no rent paid on the remainder once you reach 75% ownership.
Lifetime ISA Bonus *
Save up to £4,000 annually and receive a 25% government bonus. Can be used toward your first home deposit or kept for retirement planning.
You will only receive the Government's 25% bonus if you go on to use the savings in your Lifetime ISA towards the deposit on your first home and/or towards your retirement after saving for a minimum of 12 months. If you make a withdrawal not connected to these two events, then a 25% penalty will apply to the amount you withdraw. This will recover the Government's bonus and you will get back less than you have saved.
An ISA is a medium to long term investment, which aims to increase the value of the money you invest for growth or income or both. The value of your investments and any income from them can fall as well as rise. You may not get back the amount you invested.
How we help
We understand that financial decisions feel heavy because they affect everything that matters to you. Our job is to make them lighter, clearer and easier.
Testimonials
Feedback from happy homeowners
We've helped hundreds of families use government schemes to buy homes that fit their circumstances and budgets.
Find the right approach for your family.
Tell us about your housing goals.
We'll identify which schemes could genuinely help and connect you with lenders who understand these programmes.