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        Updated: May 30, 2023

        Government Mortgage Schemes

        Read through our articles below for more information on the different government mortgage schemes available.

        No impact on your credit score

        There are several government mortgage schemes that could help you get a foot onto the property ladder – from Shared Ownership to the Help to Buy equity loan – but which one is the right fit for you, and where should you begin with your mortgage application?

        The answer to both questions should become apparent after you do some background reading, and in our articles below, you’ll learn all you need to know about government mortgages schemes, including how to choose the right one and how to get the best deal through them.

        Help to Buy Mortgages

        A complete guide to getting a mortgage through the Help to Buy scheme, covering how equity loans work, where to get expert advice and more.

        Shared Ownership Mortgages

        Find out how to get the best mortgage deal if you’re applying through the Shared Ownership scheme plus how the right broker can help you.

        Bad Credit Shared Ownership Mortgages

        Find out what your options are if you’re applying for a Shared Ownership mortgage with bad credit and how a specialist broker can help you.

        Right to Buy Mortgages

        A complete guide to the Right to Buy scheme and how you can use it to get the best mortgage deal for your council property.

        Right to Acquire Mortgages

        Find out how to get the best deal if you need a mortgage to buy a council flat through the government’s Right to Acquire scheme.

        Right to Buy Mortgages With Bad Credit

        Learn what your mortgage options are if you’re buying a council property through the Right to Buy scheme but have a history of bad credit.

        Right to Buy Mortgages With No Deposit

        Find out what your mortgage prospects are if you’re applying through the Right to Buy scheme but don’t have any deposit funds to put down.

        100% LTV Shared Ownership Mortgages

        How to get a Shared Ownership mortgage with now deposit and how a mortgage broker can help you do this

        Rent to Buy Mortgages

        Everything you need to know about the government's rent to buy scheme, what the eligibility requirements are and how to find the best interest rates

        Shared Ownership Mortgage Brokers

        Learn how using the services of a mortgage broker can help you gain access to the best providers involved with the shared ownership scheme

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        FCA Disclaimer

        *Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms that are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

        Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.