In 2026, government help for buying a home focuses on discounts, small deposits, and shared equity rather than the original "Help to Buy" loan, which has closed in most areas. 1. First Homes Scheme (England)
You must be a first-time buyer with a household income under £80,000 (£90,000 in London). government housing help to buy
The home must cost less than £250,000 (£420,000 in London) after the discount. In 2026, government help for buying a home