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Basics

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Help to Buy

The Help to Buy scheme was announced by the Government in March 2012.

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Rent Guarantee Insurance

Rent Guarantee Insurance (RGI) can protect buy-to-let landlords against the risk of their tenants falling behind or ceasing to pay rent altogether.

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Shared equity

Not to be confused with 'shared ownership', with a 'shared equity' scheme the Government provides the borrower with an 'equity loan'.

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Shared ownership

Shared ownership schemes allow people to buy a portion of a property from a housing association and to pay rent on the remaining portion.

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The Armed Forces Home Ownership Scheme (AFHOS)

AFHOS allows service personnel who have between four and six years’ service to buy a property for up to £300,000.

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Right to Buy

Right to Buy allows most council tenants who have lived in their council home for five years to buy it at a discount.

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Right to Acquire

Right to Acquire is a scheme which enables housing association tenants to buy their home at a discount.

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NewBuy

In addition to FirstBuy, the Government launched a second scheme in March 2012 to kick start the housing market, called NewBuy.

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FirstBuy Direct

In June 2011, the Government launched FirstBuy Direct, a shared equity loan scheme designed to assist first-time buyers and boost the construction industry.

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Renovation insurance

What is renovation insurance, who needs it and where do you get it?

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Islamic (Sharia) mortgages

Muslim homebuyers who want to stick closely to Sharia law cannot take out standard mortgage contracts, as they are not allowed to engage in an activity whereby money is made by charging interest.

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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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Moving home

Before you start looking for a specific property, it makes sense to choose a defined area and check it out.

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Mortgage insurance top tips

Many people end up paying too much for insurance or getting the wrong type of cover. For the right insurance for your circumstances, at the right price, simply follow our expert advice.

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Income protection

You can protect against losing your income through disability, no matter how it is caused, with Income Protection Insurance (sometimes also referred to as Permanent Health Insurance).

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