Mortgages
Government Schemes & Shared Ownership Advice
Government and scheme-backed routes can make homeownership reachable when a standard 10% deposit isn't. We'll explain which schemes you qualify for, how they work in practice, and which lenders to approach.
Why Choose Us
Government Scheme guidance
We'll walk you through each scheme and help you pick the right combination for your circumstances.
- Shared ownership mortgages with experienced lenders
- Lifetime ISA integration with your deposit plan
- Right to Buy applications and lending
- Developer-backed deposit-boost or part-exchange schemes
- Eligibility checks before you apply
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Your Journey
A straightforward process
Scheme Review
We confirm which government and developer schemes you qualify for.
Lender Match
We approach lenders who routinely fund the scheme you're using.
Application Support
We help with the scheme paperwork as well as the mortgage application itself.
Completion
We stay with you through offer, valuation and completion.
FAQs
Common questions
Is the Help to Buy equity loan still available?+
The original government Help to Buy equity loan scheme in England closed to new applicants in 2023. Shared ownership, Lifetime ISA, Right to Buy and developer-backed schemes all remain — and we'll help you work out which ones you qualify for.
How does shared ownership work?+
You buy a share of a property (typically 25–75%) with a mortgage on that share and pay rent on the remainder to a housing association. Over time you can 'staircase' — buying additional shares — until you own the property outright.
Can I use a Lifetime ISA toward my deposit?+
Yes. A Lifetime ISA lets eligible savers earn a 25% government bonus on contributions used to buy a first home worth up to £450,000. It can be combined with most first-time buyer mortgages.
Am I eligible for Right to Buy?+
Right to Buy is generally available to council tenants in England who have been a public-sector tenant for at least three years. Discount levels and rules vary by region, and we can help with the mortgage side once you have your offer letter.
Are there lenders who specialise in these schemes?+
Yes — not every lender does shared ownership or scheme-based lending, and criteria vary by scheme. We work with lenders who routinely fund these purchases and understand the supporting paperwork.
Find the scheme that fits you
Tell us about your situation and we'll explain — in plain English — which schemes could realistically work.
Your home may be repossessed if you do not keep up repayments on your mortgage