Buying Schemes & Security Pathways

Overview of all government-backed routes to homeownership and how to decide which is right for you.

Specialist mortgages for NHS, teachers, police, armed forces and other essential workers, often with higher income multiples and lower deposits.

Buy a share (10–75%), rent the rest, and staircase to full ownership over time.

How council tenants can purchase their home at a discount, current rules and proposed reforms.

New build homes at 30–50% off market value for eligible first-time buyers.

The government's permanent 95% mortgage guarantee scheme for buyers with a 5% deposit.

Rent below market rate while saving for a deposit, then buy or move into shared ownership.

Affordable rental for London key workers, rents capped at 40% of average key worker income.

Guidance for existing equity loan holders, repayment rules, interest charges, and options.

Save up to £4,000/year with a 25% government bonus towards your first home deposit.

Compare BeHomed, Keyzy, Rentplus, HomeNow, and Tembo Money - costs, eligibility, and how each builds equity.

New-build incentives including Own New Rate Reducer, First Homes, Deposit Boost, and Key Worker contributions.

Buying the home you already rent from your landlord: how to approach it, value it, negotiate and complete without overpaying.

How a developer-funded contribution can cut your mortgage rate on a new build, and what to check before you reserve.

The developer contribution that tops up your own deposit to reach a better loan to value band.

No-deposit mortgages that use your rent payment history as evidence you can afford to buy.