Home Ownership

If you are interested in buying or part buying a property you will need to be able to secure a mortgage and have access to a deposit.

The government has launched the  Own Your Home website which provides detailed information on a wide range of government schemes that make home-buying more affordable. Help to Buy is just one of these schemes and further information is available below.

What is Help to Buy?

The Government created the Help to Buy scheme to help hard-working people like you take steps to buy your own home.

Whether you are looking to get onto the housing ladder or move up it, there are a number of Help to Buy products designed to make buying a home more affordable, including:

Shared ownership - New build and Re-sales

Depending on how much you can afford, shared ownership allows you to buy a percentage share of a property while a local housing association retains the other share.

It is sometimes known as part-buy part-rent because you will then be charged a rental payment on the remaining share owned by the housing association. In most cases shared owners can choose to buy additional shares later on to increase their equity.

For current shared ownership homes in Buckinghamshire please visit 

Fairhive Homes offer homes for low cost home ownership to households living Buckinghamshire, from one and two bedroom flats to three and four bedroom houses. These homes are sold on a part buy/part rent basis, meaning that you buy a percentage of the home and then pay a low rent on the remainder. The overall cost will work out lower than usual home purchase. Over time, you can increase the share of the property you are buying and decrease the share you rent. Fairhive Homes advertise their homes for low cost home ownership on this website. Please visit for more information.

Equity loans

The Help to Buy equity loan is designed to help you purchase specific new-build properties priced up to £600,000 from participating registered developers with as little as a 5% deposit.

The Government lends you up to 20% of the cost of your new-build home, so you’ll only need to provide a 5% cash deposit and a 75% mortgage to make up the rest. You also won’t be charged loan fees on the 20% loan for the first five years of owning your home.

Want to find out more?

For more information please visit www.helptobuyese.org.uk