Ready to Take the Next Step Towards Homeownership?

First Homes scheme

• If you’re a first-time buyer, you could buy a home for 30% to 50% less than its market value. To qualify, the home must be your main residence and can be:
  • a newly built home 
  • a home which someone else bought before through the First Home scheme

Shared ownership 

• If you cannot afford all of the deposit for a home that meets your needs, the shared ownership scheme offers an alternative. With shared ownership, you buy a percentage of the property and pay rent on the remaining portion owned by the housing provider.

How it works:

• Buy a share between 10% and 75% of the home’s full market value
• Pay rent on the remaining percentage owned by the Landlord
• Pay monthly ground rent and service charges, such as maintenance of communal areas and building insurance

The Right to Buy scheme allows most council tenants to purchase their council home (social housing rented from the local council) at a discounted rate.

You may be eligible if:

• The property is your only or main home
• It’s self-contained (has its own kitchen, bathroom, and entrance)
• You’re a secure tenant (have a permanent tenancy agreement)
• You’ve been a tenant with a public sector landlord for 3 years in total – this includes councils, housing associations, or NHS trusts, and doesn’t need to be consecutive

Why choose Our Mortgage Partner?

The Insurance Surgery partners with a carefully vetted UK mortgage broker. We’ll connect you with a broker who can access exclusive rates and products that match your specific circumstances and requirements.