Deposit Unlock allows people to buy a new build home with a deposit of just 5%.

We helped develop the scheme with the Home Builders Federation, and were the first to offer Deposit Unlock mortgages nationally to give low-deposit buyers more borrowing options as Help to Buy came to an end.

Find out more about Deposit Unlock, including which home builders are participating in the scheme, on the Deposit Unlock website. 

First Homes is a Government-backed scheme that allows first time buyers to buy a new build home, with a discount of at least 30%.

The discount remains on the property forever to help other first time buyers in the future. 

Ben and Rosanna were among the first people to buy a home through First Homes - take a look at their story.

For more information about the scheme, visit the First Homes website.

Joint Mortgage Sole Proprietor (JMSP) mortgages help increase a person's borrowing capacity when they are trying to buy a new home on their own. It combines the buyer's income with a family member's income, which allows them to borrow more.

The person who will live in the home will be the sole owner and their family member would be added to the mortgage to support.

For more information about JMSP, visit our family assisted mortgages page.

With Shared Ownership, buyers can purchase an initial share of a new home and pay rent on the rest.

This scheme helps people on joint incomes up to £80,000 (or £90,000 in London) to get onto or move up the property ladder.

Buyers only need a small deposit and over time can buy more shares of the home, which reduces the amount of rent they need to pay.

For more information about the scheme, visit the Shared Ownership website.