Help to buy a home

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.