This page is targeted at housing professionals. Our main site is at www.shelter.org.uk

Shared and low-cost home ownership schemes

This content applies to England & Wales

Types of scheme

The main types of low-cost home ownership schemes - shared ownership, shared equity, mortgage guarantee and other schemes. 

Help to Buy equity loan scheme

How the Help to Buy scheme helps people to buy a newly built home. 

Help to Buy mortgage guarantee scheme

How the Help to Buy mortgage guarantee scheme helps people unable to afford a large deposit to buy a home in England 

Starter Home Initiative

The Starter Home Initiative gives a minimum 20 per cent discount of the purchase price of a new-build home to first-time buyers aged under 40. 

Social HomeBuy

What Social HomeBuy is, and how it operates. 

Help to Buy shared ownership

How the Help to Buy shared ownership schemes work, including eligibility and how to apply. 

Help to Buy for people with disabilities

How the Help to Buy (formerly HomeBuy) shared ownership scheme can help a person with long-term disabilities to buy a suitable home. 

HomeBuy Direct (closed)

What HomeBuy Direct is, and how it operates. 

NewBuy in England (closed)

How the NewBuy scheme works in England, eligibility and how to apply. 

HomeBuy in Wales

How the HomeBuy scheme works in Wales. 

First Time Buyers' Initiative (closed)

How the First Time Buyers' Initiative (FTBI) works. 

Key Worker Living programme (closed)

The Key Worker Living programme. 

Other shared/low-cost ownership schemes

Smaller shared or low-cost ownership schemes, with a brief explanation of each scheme 

HomeBuy and Help to Buy: repossession

How properties bought under the HomeBuy and Help to Buy schemes can be repossessed. 

Cash incentive schemes

Schemes that provide cash incentives to tenants who move out of local authority accommodation to buy or lease a private sector home. 

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