All schemes

Use the filters below to find the affordable housing schemes that could be right for you.

Or for highly customised results, please answer a few questions about yourself to find your scheme.

Resident of Wales, Scotland or Northern Ireland?

If you’re looking for support to buy a home in Wales, Scotland or Northern Ireland, you’ll find some affordable home ownership schemes are different from those in England – even if they share the same scheme name.

For schemes in Scotland please visit: http://www.gov.scot/Topics/Built-Environment/Housing/BuyingSelling

For schemes in Wales please visit: http://gov.wales/topics/housing-and-regeneration/housing-supply/buying-and-selling/

For schemes in Northern Ireland please visit: http://www.nidirect.gov.uk/home-ownership-schemes

  • Help to Buy: Equity Loan

    • Scheme Ends: 2021

    If you want to own a newly built home in England, you could borrow up to 20% (up to 40% in London) of the purchase price from the government. You’d only need a 5% deposit and your mortgage would make up the rest.

  • Help to Buy: ISA

    • Scheme Ends: Late 2019

    If you’re saving towards your first home, a Help to Buy: ISA will boost your savings by 25% when you save up to £200 a month.

  • Right to Buy

    If you're a council tenant in England the Right to Buy scheme could help you buy the home you rent with a discount of up to £78,600 (£104,900 in London).

  • Starter Homes

    • Coming soon

    If you're a first-time buyer the upcoming Starter Homes scheme could help you buy a new-build home with a 20% discount. Register your interest now.

  • Right to Acquire

    If you're a housing association tenant in England you could be eligible to buy the home you rent with a discount between £9,000 and £16,000.

  • Preserved Right to Buy

    If you're a housing association tenant in England you could be eligible to buy the home you rent with a discount of up to £78,600 (£104,900 in London).

  • Discounted Sales

    If you want to buy a home where you have a local connection, this scheme could help you do that with a 25%-50% discount.

  • Resales

    If you can't afford to buy a whole home, you could buy the same share of a home bought by its current owner when they used a shared ownership scheme.

  • Forces Help to Buy

    • Scheme Ends: 2018

    If you're serving in the armed forces, the Forces Help to Buy scheme could let you borrow up to 50% of your salary to buy or improve your home.

Can you afford to buy?

Buying a home could be the biggest single investment you ever make. It’s an exciting time, but there is a lot to think about. So you’ll need to take time to look at the costs.

You can find advice on saving for a deposit, getting a mortgage and much more on the Money Advice Service website. You can even use an online calculator to estimate how much your mortgage repayments could be.

To find out more about the process, key stages and what fees to expect, we recommend you visit their home-buying timeline first.

The Money Advice Service is a free, unbiased and impartial service set up by the government.