Top 5 Government Mortgage Schemes First-Time Buyers Need to Know (UK 2025)
Buying your first home in the UK can feel overwhelming. Thankfully, there are several
government-backed mortgage schemes in 2025 that can make the journey smoother.
First Homes Scheme
Offers homes to first-time buyers at a 30-50% discount.
Priority for key workers and locals.
Shared Ownership
Buy a share (usually 25-75%) and pay rent on the rest.
Ideal for those with smaller deposits.
95% Mortgage Guarantee Scheme
Allows buyers to purchase with just a 5% deposit.
Backed by the government for extra lender confidence.
Lifetime ISA
Save up to £4,000 per year with a 25% government bonus.
Can be used for first home purchase or retirement.
Right to Buy (for council tenants)
Allows long-term tenants to buy their rented property at a discount.
Unsure which scheme fits you best? Our expert mortgage advisers at Mortgages and Money
are here to guide you every step of the way.
