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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