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Check which scheme is right for you

With a range of government schemes available to make buying a home more affordable, use our tool to find out which scheme is right for you.

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The mortgage guarantee scheme

Launched on 19 April 2021, the mortgage guarantee scheme helps to increase the supply of mortgages for borrowers with just a 5% deposit.

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Help to Buy: Equity Loan

Help to Buy: Equity Loans help first-time buyers in England onto the property ladder with the government lending them up to 20% (up to 40% in London) of the purchase price of a new build home.

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Shared Ownership

Shared Ownership is a part rent, part buy scheme that will enable you to buy a share of between 10-75% of a new build home and then pay rent on the rest.

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First Homes

First Homes is a new scheme to help local first-time buyers and key workers buy a first home, by offering homes at a discount of at least 30%. 

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Right to Buy

A government scheme to help eligible council tenants in England buy their rented home with a discount of up to £87,200 (£116,200 in London).


Stamp Duty

If you purchase a residential property before 30 June 2021, you only start to pay stamp duty on the amount that you pay for the property above £500,000. These rates apply whether you are buying your first home or have owned property before.

News and advice

new terraced housing

350,000 households supported by Help to Buy

Over 350,000 young people and families have been helped into homeownership with Help to Buy since its launch in 2013. The major milestone was reached […]

new housing

Help to Buy at all-time high

The number of people buying a home through the Help to Buy scheme is at an all-time high. New figures released on 13 August 2021 show that from […]

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Buying a home – How long will it take?

This page was written by MHCLG’s home buying & selling team. It typically takes around six months to buy and move into a new home.  The precise amount of time taken will […]

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