{"id":630,"date":"2025-06-13T03:37:36","date_gmt":"2025-06-13T03:37:36","guid":{"rendered":"https:\/\/second-home.uk\/?p=630"},"modified":"2025-06-13T03:37:36","modified_gmt":"2025-06-13T03:37:36","slug":"mortgage-guarantee-scheme-made-permanent","status":"publish","type":"post","link":"https:\/\/second-home.uk\/?p=630","title":{"rendered":"Mortgage guarantee scheme made permanent"},"content":{"rendered":"

The mortgage guarantee scheme will remain in place permanently, as detailed in the government\u2019s Spending Review<\/a>.<\/p>\n

The scheme was originally brought to market as one of the two Help to Buy lending schemes in 2013, before being relaunched as simply the mortgage guarantee scheme in 2021.<\/p>\n

It works by encouraging lenders to offer 95% loan-to-value mortgages by providing a government guarantee on the portion between 80 and 95%.<\/p>\n

The scheme was due to expire this month, but from July a permanent version will be launched.<\/p>\n

Sarah Thompson, managing director of Mortgage Scout, part of LRG, said: \u201cAlthough mortgage rates are now starting to fall, the size of the deposit remains the biggest challenge for most buyers.<\/p>\n

\u201cA permanent guarantee scheme could bring much-needed consistency to the market and give both lenders and borrowers greater confidence.<\/p>\n

\u201cWe will be watching closely for the details in July, but the signal from the government is clear: helping buyers with smaller deposits is back on the agenda.\u201d<\/p>\n

It emerged in October last year<\/a> that the government was consulting with the mortgage industry on launching a successor to the scheme.<\/p>\n","protected":false},"excerpt":{"rendered":"

The mortgage guarantee scheme will remain in place permanently, as detailed in the government\u2019s Spending Review. The scheme was originally brought to market as one of the two Help to Buy lending schemes in 2013, before being relaunched as simply the mortgage guarantee scheme in 2021. It works by encouraging lenders to offer 95% loan-to-value […]<\/p>\n","protected":false},"author":1,"featured_media":631,"comment_status":"","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[2],"tags":[],"class_list":["post-630","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-second-home"],"yoast_head":"\nMortgage guarantee scheme made permanent - Second Home<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.propertywire.com\/finance\/help-to-buy-mortgage-guarantee-made-permanent\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mortgage guarantee scheme made permanent - Second Home\" \/>\n<meta property=\"og:description\" content=\"The mortgage guarantee scheme will remain in place permanently, as detailed in the government\u2019s Spending Review. The scheme was originally brought to market as one of the two Help to Buy lending schemes in 2013, before being relaunched as simply the mortgage guarantee scheme in 2021. It works by encouraging lenders to offer 95% loan-to-value […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.propertywire.com\/finance\/help-to-buy-mortgage-guarantee-made-permanent\/\" \/>\n<meta property=\"og:site_name\" content=\"Second Home\" \/>\n<meta property=\"article:published_time\" content=\"2025-06-13T03:37:36+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/second-home.uk\/wp-content\/uploads\/2025\/06\/Parliament-Westminster.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"683\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.propertywire.com\\\/finance\\\/help-to-buy-mortgage-guarantee-made-permanent\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/second-home.uk\\\/?p=630\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\\\/\\\/second-home.uk\\\/#\\\/schema\\\/person\\\/4d1b4955add7c14742a3be9aaae12292\"},\"headline\":\"Mortgage guarantee scheme made permanent\",\"datePublished\":\"2025-06-13T03:37:36+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/second-home.uk\\\/?p=630\"},\"wordCount\":186,\"image\":{\"@id\":\"https:\\\/\\\/www.propertywire.com\\\/finance\\\/help-to-buy-mortgage-guarantee-made-permanent\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/second-home.uk\\\/wp-content\\\/uploads\\\/2025\\\/06\\\/Parliament-Westminster.jpg\",\"articleSection\":[\"Second Home\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/second-home.uk\\\/?p=630\",\"url\":\"https:\\\/\\\/www.propertywire.com\\\/finance\\\/help-to-buy-mortgage-guarantee-made-permanent\\\/\",\"name\":\"Mortgage guarantee scheme made permanent - Second Home\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/second-home.uk\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.propertywire.com\\\/finance\\\/help-to-buy-mortgage-guarantee-made-permanent\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.propertywire.com\\\/finance\\\/help-to-buy-mortgage-guarantee-made-permanent\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/second-home.uk\\\/wp-content\\\/uploads\\\/2025\\\/06\\\/Parliament-Westminster.jpg\",\"datePublished\":\"2025-06-13T03:37:36+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/second-home.uk\\\/#\\\/schema\\\/person\\\/4d1b4955add7c14742a3be9aaae12292\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.propertywire.com\\\/finance\\\/help-to-buy-mortgage-guarantee-made-permanent\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.propertywire.com\\\/finance\\\/help-to-buy-mortgage-guarantee-made-permanent\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.propertywire.com\\\/finance\\\/help-to-buy-mortgage-guarantee-made-permanent\\\/#primaryimage\",\"url\":\"https:\\\/\\\/second-home.uk\\\/wp-content\\\/uploads\\\/2025\\\/06\\\/Parliament-Westminster.jpg\",\"contentUrl\":\"https:\\\/\\\/second-home.uk\\\/wp-content\\\/uploads\\\/2025\\\/06\\\/Parliament-Westminster.jpg\",\"width\":1000,\"height\":683},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.propertywire.com\\\/finance\\\/help-to-buy-mortgage-guarantee-made-permanent\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/second-home.uk\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Mortgage guarantee scheme made permanent\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/second-home.uk\\\/#website\",\"url\":\"https:\\\/\\\/second-home.uk\\\/\",\"name\":\"Second Home\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/second-home.uk\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/second-home.uk\\\/#\\\/schema\\\/person\\\/4d1b4955add7c14742a3be9aaae12292\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/be5e1ed89eef5f3974748e7fc92985bcfb2b595ca712f48dda78b019b41e95f3?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/be5e1ed89eef5f3974748e7fc92985bcfb2b595ca712f48dda78b019b41e95f3?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/be5e1ed89eef5f3974748e7fc92985bcfb2b595ca712f48dda78b019b41e95f3?s=96&d=mm&r=g\",\"caption\":\"admin\"},\"sameAs\":[\"https:\\\/\\\/second-home.uk\"],\"url\":\"https:\\\/\\\/second-home.uk\\\/?author=1\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Mortgage guarantee scheme made permanent - Second Home","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.propertywire.com\/finance\/help-to-buy-mortgage-guarantee-made-permanent\/","og_locale":"en_US","og_type":"article","og_title":"Mortgage guarantee scheme made permanent - Second Home","og_description":"The mortgage guarantee scheme will remain in place permanently, as detailed in the government\u2019s Spending Review. The scheme was originally brought to market as one of the two Help to Buy lending schemes in 2013, before being relaunched as simply the mortgage guarantee scheme in 2021. It works by encouraging lenders to offer 95% loan-to-value […]","og_url":"https:\/\/www.propertywire.com\/finance\/help-to-buy-mortgage-guarantee-made-permanent\/","og_site_name":"Second Home","article_published_time":"2025-06-13T03:37:36+00:00","og_image":[{"width":1000,"height":683,"url":"https:\/\/second-home.uk\/wp-content\/uploads\/2025\/06\/Parliament-Westminster.jpg","type":"image\/jpeg"}],"author":"admin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"admin","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.propertywire.com\/finance\/help-to-buy-mortgage-guarantee-made-permanent\/#article","isPartOf":{"@id":"https:\/\/second-home.uk\/?p=630"},"author":{"name":"admin","@id":"https:\/\/second-home.uk\/#\/schema\/person\/4d1b4955add7c14742a3be9aaae12292"},"headline":"Mortgage guarantee scheme made permanent","datePublished":"2025-06-13T03:37:36+00:00","mainEntityOfPage":{"@id":"https:\/\/second-home.uk\/?p=630"},"wordCount":186,"image":{"@id":"https:\/\/www.propertywire.com\/finance\/help-to-buy-mortgage-guarantee-made-permanent\/#primaryimage"},"thumbnailUrl":"https:\/\/second-home.uk\/wp-content\/uploads\/2025\/06\/Parliament-Westminster.jpg","articleSection":["Second Home"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/second-home.uk\/?p=630","url":"https:\/\/www.propertywire.com\/finance\/help-to-buy-mortgage-guarantee-made-permanent\/","name":"Mortgage guarantee scheme made permanent - Second Home","isPartOf":{"@id":"https:\/\/second-home.uk\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.propertywire.com\/finance\/help-to-buy-mortgage-guarantee-made-permanent\/#primaryimage"},"image":{"@id":"https:\/\/www.propertywire.com\/finance\/help-to-buy-mortgage-guarantee-made-permanent\/#primaryimage"},"thumbnailUrl":"https:\/\/second-home.uk\/wp-content\/uploads\/2025\/06\/Parliament-Westminster.jpg","datePublished":"2025-06-13T03:37:36+00:00","author":{"@id":"https:\/\/second-home.uk\/#\/schema\/person\/4d1b4955add7c14742a3be9aaae12292"},"breadcrumb":{"@id":"https:\/\/www.propertywire.com\/finance\/help-to-buy-mortgage-guarantee-made-permanent\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.propertywire.com\/finance\/help-to-buy-mortgage-guarantee-made-permanent\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.propertywire.com\/finance\/help-to-buy-mortgage-guarantee-made-permanent\/#primaryimage","url":"https:\/\/second-home.uk\/wp-content\/uploads\/2025\/06\/Parliament-Westminster.jpg","contentUrl":"https:\/\/second-home.uk\/wp-content\/uploads\/2025\/06\/Parliament-Westminster.jpg","width":1000,"height":683},{"@type":"BreadcrumbList","@id":"https:\/\/www.propertywire.com\/finance\/help-to-buy-mortgage-guarantee-made-permanent\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/second-home.uk\/"},{"@type":"ListItem","position":2,"name":"Mortgage guarantee scheme made permanent"}]},{"@type":"WebSite","@id":"https:\/\/second-home.uk\/#website","url":"https:\/\/second-home.uk\/","name":"Second Home","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/second-home.uk\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/second-home.uk\/#\/schema\/person\/4d1b4955add7c14742a3be9aaae12292","name":"admin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/be5e1ed89eef5f3974748e7fc92985bcfb2b595ca712f48dda78b019b41e95f3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/be5e1ed89eef5f3974748e7fc92985bcfb2b595ca712f48dda78b019b41e95f3?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/be5e1ed89eef5f3974748e7fc92985bcfb2b595ca712f48dda78b019b41e95f3?s=96&d=mm&r=g","caption":"admin"},"sameAs":["https:\/\/second-home.uk"],"url":"https:\/\/second-home.uk\/?author=1"}]}},"jetpack_featured_media_url":"https:\/\/second-home.uk\/wp-content\/uploads\/2025\/06\/Parliament-Westminster.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/second-home.uk\/index.php?rest_route=\/wp\/v2\/posts\/630","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/second-home.uk\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/second-home.uk\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/second-home.uk\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/second-home.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=630"}],"version-history":[{"count":0,"href":"https:\/\/second-home.uk\/index.php?rest_route=\/wp\/v2\/posts\/630\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/second-home.uk\/index.php?rest_route=\/wp\/v2\/media\/631"}],"wp:attachment":[{"href":"https:\/\/second-home.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=630"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/second-home.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=630"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/second-home.uk\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=630"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}