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Policy paper: The mortgage guarantee scheme

Hm Treasury

November 23
14:25 2023

The mortgage guarantee scheme: outline

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Mortgage guarantee scheme rules

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If you use assistive technology (such as a screen reader) and need a version of this document in a more accessible format, please email digital.communications@hmtreasury.gov.uk. Please tell us what format you need. It will help us if you say what assistive technology you use.

Details

The government has announced a new mortgage guarantee scheme to support a new generation in realising the dream of home ownership. This will increase the availability of 95% Loan-to-value mortgage products, enabling more households to access mortgages without the need for prohibitively large deposits. The documents first section introduces high loan to value mortgage lending and the role of the mortgage guarantee scheme, the second section gives an overview of trends in high loan to value lending and the third section outlines how the new mortgage guarantee scheme will work.

Published 3 March 2021
Last updated 23 November 2023 +show all updates
  1. Page updated to reflect extended deadline

  2. Mortgage Guarantee Scheme rules updated

  3. First published.

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