Affordable home ownership schemes

You may be able to get financial help from the government to buy a home.

You could get:

• a home for less than its market value if you’re a first time buyer (in England)
• a home through shared ownership (UK wide)
• lower rent payments to help save for a deposit if you’re a tenant (in England)
• a loan to help with the cost of building a home or hiring someone to build one (in Scotland and in Wales)
• a loan to help with the cost of a new-build home if you’re a first-time buyer (in Wales)

You can no longer open a Help to Buy ISA. You can still open a Lifetime ISA to save for a first home.

Buying your council or housing association property

There are also schemes for council tenants and housing association tenants.