The government provides a guarantee to lenders, encouraging them to offer 95% mortgages. Deposit: Only 5% required.
You buy a share (typically between 10% and 75% ) and pay rent on the remaining portion. government house buying schemes
Formerly the Mortgage Guarantee Scheme, this was made permanent in 2026 to help buyers with small deposits. The government provides a guarantee to lenders, encouraging
This allows you to "part-buy, part-rent" a property, usually from a housing association. part-rent" a property
You only need a deposit for the share you are buying (e.g., 5% of a 25% share), making it much lower than buying outright.