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.


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.

George Osborne

Treasury Select Committee calls for Help to Buy exit strategy

A Treasury Select Committee inquiry into the autumn statement has again warned of the ‘negative distorting effects’ of Help to Buy, calling for a firm exit strategy for the scheme.


Cancel Help to Buy to stave off housing bubble, economist warns

The government and Bank of England urgently need to cancel both the Help to Buy equity loan and bank guarantee schemes to prevent another housing bubble, said a banking economist.


Help to Buy may not offer taxpayer value for money, warns audit office

The Help to Buy equity loan scheme may not provide value for money, the spending watchdog has warned.


Santander cuts Help to Buy 2 rates

Santander has reduced rates on selected two-year trackers, including its Help to Buy mortgage guarantee tracker by up to 0.45%.


Average deposit shrinks as market feels Help to Buy effect

The average deposit needed for a mortgage is continuing to decline, buoyed by the rise of the Help to Buy scheme.

Smart building and blueprint

Value of Help to Buy equity loans lent passes £600m

Equity loans taken out under the Help to Buy scheme since its inception have reached a total value of £600m, government figures have revealed.


Government schemes help 100,000 onto property ladder

Official figures reveal Government backed schemes have helped more than 100,000 households onto the property ladder, according to figures.


Guide to Help to Buy

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


Help to Buy prompts trebling of 95% LTV products

First-time buyers have seen the number of 95% loan-to value products on the market treble since the launch of the government’s Help to Buy mortgage guarantee scheme.


Skipton launches into Help to Buy equity loan scheme

The UK's fourth largest building society has joined the government backed Help to Buy equity loan scheme.

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

Paula is CeMap qualified.

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