The dream of owning a home just got a little easier. In July 2025, the government launched Freedom to Buy, a permanent mortgage guarantee scheme designed to help more buyers step onto—or move up—the property ladder.

What Is Freedom to Buy?

A scheme that allows first-time buyers and home movers to purchase with deposits as low as 5%, creating a practical route to homeownership where 10%–15% deposits can be hard to save.

How Does It Work?

The government guarantees a portion of the mortgage to lenders, encouraging 91%–95% loan-to-value (LTV) products. That means more options for smaller deposits and more people getting keys to their own home.

Who Is It For?

First-time buyers and existing homeowners looking to move who have been held back by high deposit requirements—whether renting, living with family, or saving more slowly than needed.

Why It Matters

Homeownership remains an important financial and emotional milestone. Reducing the upfront barrier of entry can make a decisive difference, especially as mortgage rates fluctuate and prices remain elevated in many areas.

Next step: Get in touch to check eligibility and explore how Freedom to Buy could work for you.