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Helping first-time buyers take their first step onto the property ladder with a smaller upfront deposit.
Being ready to buy your first home is a big milestone.
The government’s proposed Your First Home scheme is expected to help eligible first-time buyers in England take the next step towards owning a brand-new home, particularly aimed at those who have struggled to save a large deposit.
Based on the plans announced so far, you could buy an eligible new build home in England with:
• a 2.5% deposit,
• a government-backed equity loan of up to 20%
• and a mortgage for the remaining amount.
Some important details have not yet been confirmed, including any interest-free period, how the equity loan would be repaid, household income limits and local property price caps.
There’s something special about being the first to call a home your own. With a brand-new Crest Nicholson home, you can enjoy:
• Contemporary designs
• Energy-efficient features
• Desirable, thoughtfully planned locations
With no onward chain and everything brand new from the moment you move in, buying your first home could be simpler than you think.
And, depending on the build stage, you may be able to make it feel even more yours by choosing selected fixtures, finishes and upgrades from our Arteva choices and upgrades range.
You may not need to wait for the Your First Home scheme. Crest Nicholson offers other ways to help first-time buyers move, with selected buying schemes and incentives available on eligible homes and developments.
Our sales teams can help you explore the options available now, whether you are looking for support towards your deposit, help with monthly mortgage payments or a home that better suits your budget. Terms, conditions and availability will vary.
Explore other ways we can help first-time buyers move.
Search for your new home and register your interest in our new homes today. We’ll keep you updated as further details about the proposed Your First Home scheme become available.
Your First Home is a proposed government scheme and has not yet been formally confirmed. This page is based on announcements made to date and may change. Deposit requirements, eligibility criteria, household income limits, property price caps, equity loan terms, participating developers and developments, and launch timings remain subject to government confirmation.
Your First Home is a proposed UK Government-backed equity loan scheme for eligible first-time buyers purchasing a new build home in England. Under the plans announced so far, it could combine a 2.5% buyer deposit, a government equity loan of up to 20% and a mortgage for the remaining amount. Final terms have not yet been confirmed.
Keep building your savings, review your regular income and spending, and speak to a mortgage adviser about what you may be able to afford. It can also help to explore new build homes and locations now, so you have a clearer idea of what could suit your needs and budget when the final scheme details are announced.
The scheme is expected to support eligible first-time buyers getting on the property ladder by purchasing a new build home in England. Household income limits, local property price caps, mortgage affordability requirements and other eligibility rules are expected to apply, but the final criteria have not yet been confirmed.
The government has announced that the proposed scheme is expected to support deposits of 2.5%. This requirement remains subject to confirmation and may change before the scheme launches.
Yes. Under the current proposals, buyers would use a mortgage alongside their deposit and a government-backed equity loan. You would still need to meet your chosen lender’s affordability and lending criteria, and scheme eligibility would not guarantee mortgage affordability approval.
Yes. Exploring developments, comparing locations and understanding the type of home you would like can help you prepare. However, Crest Nicholson’s participation and the homes or developments that could qualify have not yet been confirmed.
Not necessarily. If you are close to being ready to buy, other first-time buyer schemes and selected incentives may already be available on eligible Crest Nicholson homes. Moving sooner could give you more choice without waiting for the proposed scheme to launch.
Depending on the home and development, support may be available towards your deposit or monthly mortgage payments, alongside other selected incentives. Availability, eligibility and terms will vary, so speak to the development sales team about the options currently available.
Enquire in our new homes to register your interest with Crest Nicholson and we’ll share updates as the government confirms further details about the scheme and how it may apply to eligible buyers.
Owning your first home is exciting. With us you can rest assured we'll help you through every step of the buying process, making it as simple as possible.
We’re here to make your move feel effortless – with the confidence of Part Exchange or the ease of SmoothMove, where valuations, viewings and estate agent fees are taken care of for you.
