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Schemes can help you buy a home if you can't afford the full cost.
Last updated: 5 February 2026
Next review: 5 February 2027
If you want to buy your own home, but can’t afford the cost of home ownership, there are a number of schemes which can help you.
We recommend you get independent professional advice before you commit to any home ownership scheme.
You’ll only be eligible for one scheme at a time. For example, you can’t use the Help to Buy scheme to buy a Shared Ownership home.
Remember, your home will be at risk if you don’t keep up with payments secured on it.