Information: 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 or move into a new home. You must:

  • be a first time buyer or a homeowner wanting to move
  • 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)

Help to buy

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)

Apply for a mortgage using one of the schemes

Over the phone

Call to book an appointment with a Mortgage Consultant.

Monday to Friday, 8am to 6pm.
Saturday 8:30am to 4pm.
Closed Sundays and bank holidays.

UK: 03457 30 20 10

In branch

While we need to keep each other safe by staying at home, we cannot accept applications in branch. For now, please call us to apply.

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.