Government schemes

If you are a first-time buyer struggling to get onto the property ladder, a council tenant or a member of the armed forces looking to buy a home, help from Government may be available.

There are a number of government housing schemes, ranging from NewBuy to Firstbuy to Right to Buy, which offer a range of loans and discounts to eligible citizens. Note that you will alwys have to go via an intermediary and take mortgage advice before gainign access to a Government scheme.

It makes particular sense to listen to mortgage advice in these circumstances, as these schemes tend to be relatively complicated.

You might want to use our mortgage calculators before you start, to find out how much you can afford to borrow overall, and what your mornthy mortgage repayments might be.


Nationwide to launch Forces Help to Buy

Nationwide Building Society is to become the latest lender to join the Ministry of Defence's Forces Help to Buy scheme.


Help to Buy 2 makes small splash with first-time buyers

First-time buyers who used the government's Help to Buy mortgage guarantee scheme accounted for less than 4% of the total loans advanced to fledgling buyers, industry analysis has shown.

European Union flags

European Commission urges UK to adjust Help to Buy scheme

The UK Government should adjust Help to Buy and other aspects of its housing policy, according to the European Commission.


Santander increases Help to Buy rates

Santander has increased rates on three of its Help to Buy mortgages and launched a number of new products.


Help to Buy 2 completions top 7,000

More than 7,000 properties have been purchased using the Help to Buy mortgage guarantee since launch, government figures have shown.

Conservative prime minister David Cameron

Cameron to ‘consider’ Help to Buy changes

David Cameron admits he will ‘consider’ changes to Help to Buy following continued questions over the scheme’s effect on house prices.

Liberal Democrat leader Nick Clegg

Govt may 'pare back' Help to Buy after Carney's warning

The government may "pare back" its Help to Buy scheme if the Bank of England (BoE) believes it threatens the UK's economic recovery, Nick Clegg has said.

George Osborne delivers budget in 2014

Economists heap pressure on Osborne over Help to Buy

Prominent economists have added to calls for the government to pull back from the mortgage guarantee element of its Help to Buy initiative, arguing it is no longer needed.


Help to Buy hub

Tips, comment and advice on the Help to Buy scheme, in association with Barratt Homes.


Help to Buy equity loan completions top 19,000

Almost 20,000 properties have been purchased using a Help to Buy equity loan in the year since the scheme’s launch, government figures have shown.


Help to Buy equity loan stems new build house price inflation

New build house prices are rising more slowly than any other type of property thanks to the impact of the Help to Buy scheme, figures from Mortgage Advice Bureau have shown.


More than 17,000 snap up homes under Help to Buy

More than 17,000 people have bought a new home using the government's Help to Buy scheme, figures have revealed.


Calls for Scottish Help to Buy extension

House builders in Scotland have called on the Scottish government to follow England’s lead and extend the Help to Buy equity loan scheme.

George Osborne

Help to Buy 1 extended as Osborne lays out new home build plans

The first phase of Help to Buy is to be extended to 2020 as Chancellor George Osborne prepares to boost house building in the Budget this week.


Half of industry expects early Help to Buy axe

Half the mortgage industry is anticipating the early withdrawal of the government’s Help to Buy scheme, research from the Intermediary Mortgage Lenders Association has shown.

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If you have a question about mortgages or homebuying, why not ask Editor in Chief Paula John?

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Guide to Help to Buy

Download our free, handy guide to the Help to Buy, produced in association with Aldermore Mortgages.

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Guide to Government schemes

There are a number of Government schemes in place to help first-time buyers, key workers and other lower earners onto the property ladder.

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