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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 who 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 £84,600 (£112,800 in London).

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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

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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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Advice from the experts: Buying your first home

Kate Faulkner, Managing Director of Designsonproperty.co.uk and Propertychecklists.co.uk shares some top tips for first time buyers looking to get on the property ladder. Buying and […]

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