Government Schemes for homeowners and first-time buyers

A scheme designed to help first-time buyers onto the property ladder by offering homes at a discount of at least 30% (compared to the market price set by an independent valuer).

Shared Ownership allows you to buy a share in a property rather than pay the entire market price.

If you’re aged 18 to 39, a Lifetime ISA helps you save towards buying your first home. The government pay a bonus on your contributions, but withdrawal restrictions apply.

The Forces Help to Buy scheme allows service personnel to borrow up to 50% of their salary interest free, to help them buy a property with a mortgage.

Help to Buy Wales equity loans are available for both first-time buyers and existing homeowners.

Beyond the government schemes, we offer other first-time buyer mortgage options that could help you take the first step onto the property ladder.