Housing Schemes
![Modern Neighborhood](https://static.wixstatic.com/media/9c3ff4cf376a496a8ba543939e8fc3f9.jpg/v1/crop/x_267,y_0,w_5081,h_3744/fill/w_456,h_336,al_c,q_80,usm_0.66_1.00_0.01,enc_auto/Modern%20Neighborhood.jpg)
The Help to Buy is available to first time buyers only who are building a new home or buying a home in a new development and need help with a deposit.
![House For Sale Sign](https://static.wixstatic.com/media/11062b_7c9359e1c03b44e8bfec3ddc7470a136~mv2.jpg/v1/crop/x_525,y_0,w_4711,h_3471/fill/w_456,h_336,al_c,q_80,usm_0.66_1.00_0.01,enc_auto/House%20For%20Sale%20Sign.jpg)
The Local Authority Affordable Purchase Scheme helps prospective purchasers to buy a new home at a reduced price by taking an equity in the property which can be fully bought out at a later point when the purchaser is in a better position to do so.
![WhatsApp Image 2021-05-21 at 11.43.59.jpeg](https://static.wixstatic.com/media/0af10e_8bf0d8790e5c4d3f942a7dba554708c7~mv2.jpeg/v1/crop/x_0,y_3,w_420,h_309/fill/w_456,h_335,al_c,lg_1,q_80,enc_auto/WhatsApp%20Image%202021-05-21%20at%2011_43_59.jpeg)
The Vacant Property Refurbishment Grant is a new scheme introduced by government if you are turning a vacant house or building built prior to 2007 into your permanent home or a rental property.
![Dark Roofs Housing Complex](https://static.wixstatic.com/media/9fbe63a52d6c41878fa68692120b2ad6.jpg/v1/crop/x_0,y_1486,w_4628,h_3410/fill/w_456,h_336,al_c,q_80,usm_0.66_1.00_0.01,enc_auto/Dark%20Roofs%20Housing%20Complex.jpg)
The First Home Scheme is a new government backed shared equity scheme aimed at bridging the gap between the maximum mortgage a purchaser can attain through a participating lending institution and the cost of a new home. This equity stake can be fully bought out at a later point when the purchaser is in a better position to do so.
![House with Chimney](https://static.wixstatic.com/media/d468f1be938440fc92743e82bad60735.jpg/v1/crop/x_0,y_755,w_2000,h_1474/fill/w_456,h_336,al_c,q_80,usm_0.66_1.00_0.01,enc_auto/House%20with%20Chimney.jpg)
A Local Authority Home Loan is a Government backed mortgage for first time buyers and fresh start applicants. It can be used to purchase a new or second-hand property or for self-build. A Local Authority Home Loan provides up to 90% of the market value of the property.
![Modern Home](https://static.wixstatic.com/media/43b61a4980ba4462acc7a42b80c7b1ab.jpg/v1/crop/x_52,y_0,w_1797,h_1324/fill/w_456,h_336,al_c,q_80,usm_0.66_1.00_0.01,enc_auto/Modern%20Home.jpg)
This is a new tenure type based on the Vienna model which gives tenants long term secure rental agreements of up to 40 years at discounts of at least 25% on market rent.
![home keys](https://static.wixstatic.com/media/20d96b8914684d518f06a78461f89cca.jpg/v1/crop/x_284,y_0,w_6400,h_4716/fill/w_456,h_336,al_c,q_80,usm_0.66_1.00_0.01,enc_auto/home%20keys.jpg)
Social Housing is a term used to describe housing which is built and managed by Local authorities and Approved Housing Bodies. It is primarily for people who cannot afford to buy a home or rent accommodation privately.
![Bachelor Bedroom](https://static.wixstatic.com/media/11062b_19e6def4985d459f94b659d9f1b47cdf~mv2_d_6016_4016_s_4_2.jpg/v1/crop/x_283,y_0,w_5450,h_4016/fill/w_456,h_336,al_c,q_80,usm_0.66_1.00_0.01,enc_auto/Bachelor%20Bedroom.jpg)
HAP is a form of rent support provided by local authorities to those who qualify for social housing and are renting privately while awaiting a social housing allocation. Under HAP, local authorities will make rent payments on behalf of the HAP recipient directly to the landlord. The HAP recipient then pays a differential rent contribution (based on income) to the local authority.