: The Low-cost Initiative for First Time Buyers (LIFT) provides a shared equity contribution of 10–40% toward the property price.
: Now a permanent fixture as of July 2025, this scheme encourages lenders to offer 95% mortgages , meaning you only need a 5% deposit. first time buyers uk government
: The Help to Buy – Wales equity loan remains available for eligible new-build homes. Stamp Duty Relief (2026) : The Low-cost Initiative for First Time Buyers
: Allows you to buy a share of a property (between 10% and 75%) and pay rent on the remaining portion to a housing association. You can "staircase" to buy more shares over time. Regional Variations Stamp Duty Relief (2026) : Allows you to
: Available UK-wide for properties up to £600,000.
: Offers local first-time buyers and key workers new-build homes at a 30% to 50% discount off market value.