26/02/2026
Most renters don’t have a “can’t afford it” problem.
They have a gap problem.
The gap between:
What the bank will lend
And the home they actually want to buy.
That’s exactly what the Help to Buy Scheme is designed to solve.
For established homes, the Government can contribute up to 30%.
For new builds or house & land packages, up to 40%.
It doesn’t increase the value of the home.
It bridges the gap between your borrowing power and the purchase price.
Meaning you may not need to save six figures just to get started.
- It’s shared equity.
- There are income limits and price caps.
- It’s not the right strategy for everyone.
But if you’re earning under $100k (single) or $160k (couple) and feel stuck renting…
This could bring your timeline forward.
Send me a DM if you want to discuss this scheme 🏠