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Help to Buy for home movers

Help to Buy is about helping people move up the ladder as well as get on it, so most of the government schemes are also available to home movers:

Help to Buy Mortgage Guarantee – 95% mortgages for both new and existing properties up to £600,000 anywhere in the UK.

Help to Buy (Scotland) – the Scottish Government funds up to a 20% stake, meaning you only need a 5% deposit. Only available on new-build properties up to £400,000 in participating developments in Scotland.

MI New Home – 95% mortgages on new-build properties up to £250,000 in participating developments in Scotland.

Housing Association Shared Ownership – purchase between 25% and 75% of a property from a Housing Association, and pay rent on the rest. Priority is usually given to first-time buyers and those with special needs, but others can apply.

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