Home ownership schemes

Buying your own home might be difficult if property in your area is expensive. However there are UK government-backed ownership schemes that can help you get a foot on the housing ladder.

About home ownership schemes

Gives an overview of the different home ownership schemes available and how they operate.

Intermediate renting

An intermediate renting scheme could provide discounted rent if you can't afford to live in the area you want to. But you must be able to qualify.

Help to Buy schemes

You don't have to be a first time buyer to qualify for the Help to Buy or Mortgage Guarantee Scheme. They could help if you’re looking to buy a home.


NewBuy is a scheme to help first time buyers and home owners buy a new build house. See our information about NewBuy.

HomeBuy shared ownership

Under the New Build HomeBuy scheme, newly built homes or renovated properties are sold on a shared ownership basis. The lease usually lasts for 99 years.

Social HomeBuy

Social HomeBuy will allow council and housing association tenants the opportunity to buy a stake in their home. But not all tenants will be eligible.


HOLD is a shared ownership scheme allowing people with a long-term disability to buy a share of a property on the open market.

Shared ownership for the elderly

Older Persons Shared Ownership is a Help to Buy scheme to enable people aged 55 and over to buy a home on a shared ownership basis.

HomeBuy Direct

HomeBuy Direct is a scheme designed to help people buy certain new-build properties. But there are rules about who is eligible for HomeBuy Direct.