Schemes are slightly different depending on where you live in the country. This page deals with the schemes in England.

Affordable home ownership schemes in Wales (opens in a new window)

Affordable home ownership schemes in Scotland (opens in a new window)

Help to Buy

Help to Buy is a Government scheme that helps people buy their first home. You must:

  • be a first time buyer
  • have at least a 5% deposit
  • buy a new build home, not a pre-owned property
  • purchase a property from a registered Help to Buy builder.

Find out more about Help to Buy (opens in a new window)

Shared ownership

With shared ownership, you own part of the home, and a housing association owns the other part. You:

  • buy a share of a home (between 25% to 75% of the home's value)
  • pay rent to the housing association on the remaining share
  • can use this type of scheme to buy new build or pre-owned properties.

Find out more about shared ownership (opens in a new window)

Right to Buy

This scheme helps eligible tenants in England buy their council or housing association properties. You need to be a council tenant or a housing association tenant. Rules on who can purchase their home are slightly different throughout the country.

Find out more about Right to Buy (opens in a new window)

Forces Help to Buy

If you’re in the Royal Navy, Royal Marines, Royal Air Force or Army, the Forces Help to Buy scheme could help you buy your first home or move to another property on assignment.

The scheme allows eligible Armed Forces personnel to borrow up to 50% of their salary (up to £25,000) interest free, to use towards a deposit.

Find out more about Forces Help to Buy (opens in a new window)

Attend our first time buyer event

On Tuesday 1 February 2022, we're hosting a free online event for first time buyers. We'll talk you through the home-buying process - from looking at properties to applying for a mortgage. And you can ask any questions you may have.

Apply for a mortgage using one of these schemes



Mortgages are secured on your home. You could lose your home if you do not keep up payments on your mortgage.
Mortgages are subject to underwriting and criteria. Minimum age 18, UK residents only.