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 Help to Buy to NewBuy to Firstbuy to Right to Buy, which offer a range of loans and discounts to eligible citizens.

Note that you will often have to go via an intermediary and take mortgage advice before gaining 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.


Labour’s £1.2bn mansion tax to hit 100,000 homeowners

More than 100,000 owners of valuable homes would have to pay an average of almost £1,000 a month under Labour’s mansion tax plans.


Help to Buy equity loan borrowers pay a quarter less for homes

First-time buyers using the Help to Buy equity loan scheme are paying a quarter less for their new build home, as the average purchase price under the scheme fell for the third month in a row.

Help to Buy attracts renters

Over 50% of homebuyers using the government's Help to Buy scheme were previously in private rented accommodation.

Ed Balls

Ed Balls demands action on rising house prices

Shadow Chancellor Ed Balls has called for changes to the Help to Buy scheme in London, accusing Chancellor George Osborne of failing to act over rising house prices.

Post Office

Post Office unveils Help to Buy fixed rates

The Post Office has launched two fixed rate products using the government's Help to Buy mortgage guarantee scheme allowing borrowers to apply for loans up to 95% loan-to-value.


Britain faces housing shortage equal to size of Birmingham

Britain is now facing a housing shortage of one million homes, equivalent to the number of houses in Birmingham, a report from the House Builders Federation claims.


Kensington to launch Forces Help to Buy

Specialist lender Kensington is set to offer Forces Help to Buy across its entire residential purchase range when the scheme launches next week.


Budget 2014: Support for Mortgage Interest extended to 2016

Chancellor George Osborne announced the Support for Mortgage Interest scheme would be extended to 20116 in his annual Budget speech today.

George Osborne is the UK Chancellor of the Exchequer

Osborne said to face £20bn black hole in Budget

George Osborne is potentially facing a £20bn black hole in the public purse when he delivers the next Budget, according to a re-creation of government models put together by the Financial Times.


Average deposits falling

The government's Help to Buy schemes have helped to reduce the typical deposit by 6% last Autumn.

Scotland flag

203 move in with Help to Buy Scotland

1,205 households have applied for the Scottish Help to Buy equity loan and 200 have already bought.


38% unaware of Help to Buy

Many aspiring mortgage borrowers are not aware of or are confused by the governments' housing schemes.


750 homes bought using Help to Buy 2

Mortgages worth £1bn have been supplied to 750 homebuyers in the first three months of the scheme's life.


Ipswich BS 95% LTV rate cut signals 'Help to Buy effect'

Ipswich Building Society’s decision to cut the rate on its 95% loan-to-value mortgage signals a more competitive first-time buyer market, a product specialist has suggested.


Virgin Money enters Help to Buy 2 market

Virgin Money has launched a range of Help to Buy 2 mortgages available up to 95% loan-to-value.

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Ask Paula


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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Guide to Help to Buy

The Help to Buy scheme was announced by the Government in March 2013.

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