Your Guide to the First Homes Scheme
Specialist solicitors helping first-time buyers navigate eligibility, discounts and the legal process with confidence.
First Homes Scheme
What is the First Homes Scheme?
The First Homes Scheme helps first-time buyers and key workers in England purchase new-build homes at a minimum 30% discount.
While the discount makes your first home more affordable, there are extra legal steps involved in securing it correctly. Our specialist solicitors guide you through every stage, so your first home purchase is simple, transparent, and stress-free.
The First Homes Scheme is a government initiative in England for new-build homes. Key points:
A new build home, or
A home you buy from someone who originally bought it as part of the scheme
Available only to first-time buyers or eligible key workers
Some homes may have local connection requirements
Who Can Buy?
To qualify, you usually need to:
Be a first-time buyer
Have a combined household income below £80,000 (£90,000 in London)
Take out a mortgage for at least 50% of the purchase price
Meet any local authority or key worker requirements
We’ll check your eligibility and make sure you meet all the criteria before exchange of contracts.
How We Help?
Buying through the First Homes Scheme involves extra legal checks. Our team makes it simple:
Check your eligibility and scheme compliance
Review contracts, title restrictions, and mortgage requirements
Keep you updated at every stage
Ensure a smooth, stress-free process
Why Choose Us?
Experienced in First Homes and new-build conveyancing
Single dedicated contact for your case
Transparent pricing with no hidden costs
Online case tracking and clear updates
Resources
Frequently Asked Questions
Explore our FAQs for First Homes Scheme!
What happens if I want to sell my First Homes property in the future?
The discount is written into the property’s title, so when you come to sell, the home must be offered at the same percentage discount to another eligible first-time buyer. We can talk you through what this means for your sale in advance so there are no surprises.
Is the First Homes Scheme available everywhere in England?
Not every development offers First Homes properties, and local councils can set additional local connection or occupation conditions for their area. We’ll confirm the specific requirements attached to the property you’re buying.
Do all mortgage lenders offer products for First Homes purchases?
Not every lender has a First Homes mortgage product, and criteria can vary between those that do. Your mortgage broker will usually confirm which lenders are suitable, and we’ll liaise with them to ensure the legal side keeps pace with your mortgage offer.
How is buying under the First Homes Scheme different from Shared Ownership?
With First Homes, you buy 100% of the property outright at a discounted price, rather than purchasing a share and paying rent on the remainder as you would with Shared Ownership. Our Shared Ownership team can advise if you’re weighing up which route suits you.
