1️⃣ Mortgage Guarantee Scheme (5 % Deposits)
Re‑launched in July’s Spending Review and extended to Dec 2026—95 % LTV on homes up to £600k. (The Sun)
2️⃣ First Homes (30‑50 % Discounts)
Local first‑time buyers & key workers get lifetime discounts on selected new‑builds. (Zoopla)
3️⃣ Deposit Unlock (5 % on New‑Builds)
Home‑builder scheme pairing 95 % mortgages with selected developments. (Find IFAs & Financial Advisers)
4️⃣ Shared Ownership & London Affordable Homes
Buy 25‑75 % now, staircase later; extra funding via Homes for Londoners 2021‑26 programme. (GOV.UK, London City Hall)
Sharpes’ SW London Insider Tips
- Merton Abbey & Summerstown often have scheme‑eligible new builds under £450k.
- Use our “Buyer Match” service to get alerts the moment a discounted unit lists.
- Pair schemes with seller incentives (e.g., stamp‑duty contributions) we negotiate on your behalf.