Government schemes designed to make homeownership accessible — we're specialists in all the options available to first-time buyers in 2026.
Get Scheme AdviceBuy a share of a property (between 10% and 75%) from a housing association and pay rent on the remaining share. You'll need a mortgage for your share — typically requiring just a 5% deposit on the share value, not the full property price.
Over time, you can staircase — buy additional shares — until you own 100% of the property. An excellent option for those who can't yet afford a full purchase.
Get Shared Ownership AdviceThe government guarantees part of a 95% LTV mortgage, encouraging lenders to offer 5% deposit mortgages. You only need a 5% deposit to purchase a property up to £600,000.
This scheme is available for first-time buyers and existing homeowners. We have access to all participating lenders and will find you the best available rate.
Get a 95% Mortgage QuoteSave up to £4,000 per year into a Lifetime ISA and the government adds a 25% bonus — up to £1,000 per year. Use the savings towards your first home deposit (on properties up to £450,000) or retirement from age 60.
You must be aged 18–39 to open a LISA. It's one of the best ways to turbocharge your first home deposit. Speak to us about how to pair a LISA with a mortgage.
Get LISA + Mortgage AdviceFirst Homes are new-build homes sold at a discount of at least 30% compared to the market value. The discount is passed on each time the property is sold, keeping homes affordable for local first-time buyers in perpetuity.
Eligibility is based on local household income caps and property price limits set by councils. Ask our advisers if this scheme is available in your target area.
Ask About First HomesOur advisers will explain every option and help you choose the best route to homeownership.