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Open to both first-time buyers and home-movers for properties up to £600,000.
You can find participating lenders through sites like MoneySavingExpert. 3. Shared Ownership (UK-wide) Government house buying schemes in 2026
The government guarantees a portion of the mortgage, encouraging lenders to offer 95% loans.
The discount stays with the property. When you sell, the next buyer must also be eligible and receive the same discount. 2. Freedom to Buy (Mortgage Guarantee Scheme)
This permanent scheme helps you buy a home with just a .
Open to both first-time buyers and home-movers for properties up to £600,000.
You can find participating lenders through sites like MoneySavingExpert. 3. Shared Ownership (UK-wide) Government house buying schemes in 2026
The government guarantees a portion of the mortgage, encouraging lenders to offer 95% loans.
The discount stays with the property. When you sell, the next buyer must also be eligible and receive the same discount. 2. Freedom to Buy (Mortgage Guarantee Scheme)
This permanent scheme helps you buy a home with just a .
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