Government House Buying Schemes May 2026

This allows you to "part-buy, part-rent" a property, usually from a housing association.

Formerly the Mortgage Guarantee Scheme, this was made permanent in 2026 to help buyers with small deposits. government house buying schemes

The government provides a guarantee to lenders, encouraging them to offer 95% mortgages. Deposit: Only 5% required. This allows you to "part-buy, part-rent" a property,

Buyers who can afford monthly repayments but struggle to save a large lump sum. Limit: Applies to homes valued up to £600,000 . 2. Shared Ownership This allows you to "part-buy

You buy a share (typically between 10% and 75% ) and pay rent on the remaining portion.