The Mortgage Guarantee Scheme has been designed to make homeownership more accessible

Mortgage Guarantee Scheme

Set to launch in April, the Government’s Mortgage Guarantee Scheme has been designed to encourage lenders to offer 95% mortgages so homeownership is more accessible to buyers with a 5% deposit. The scheme will be open to first-time buyers and home movers on properties priced up to £600,000.

Mortgages issued under the scheme will be backed by the UK government meaning if you were unable to pay back what you borrow, the government would financially support the lender to help mitigate any losses.

To qualify for the scheme, the mortgage must be:

  • A residential mortgage (not a second home, or buy-to-let)
  • Be taken out by an individual or individuals, not a business
  • Have a Loan to Value of between 91% and 95%
  • Be a repayment mortgage and not interest-only

For further information please visit the Government website


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