Would you like to buy homes direct, but find you need help buying a house? If so, you are in luck, because the government currently has programs available to assist potential home buyers. Countless use the Help to Buy scheme offered. Using this program, the government can help those thinking about purchasing a house coming in at £600,000 or less and the down payment for the residence will be as small as 5 percent. You can choose to get the equity loan product, a mortgage loan in which the national government provides the home buyer as much as twenty percent of the value of the home they are buying, as long as it’s actually a completely new build residence. A home loan guarantee has now been put into place until 2016. With this particular service, loan companies may now offer potential buyers home mortgages that will be 80 to 95 percent of the house loan valuation. The third part of the offer is known as the NewBuy program. With this particular program, home purchasers that have a minimum of 5 % down payment can secure help from the government in buying a new-build home. The government provides a number of other programs in position for those thinking of buying a residence or individuals with a house they are really at risk of possibly losing. Make sure you try to ask, simply because these services have aided numerous and may even be of help to you.