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First Homes

A new way to get on the housing ladder

Young couple

The right choice for a first-time buyer

Purchase a brand-new home through the First Homes scheme and receive a discount of at least 30%.* All you need is:

  • To be a first-time buyer
  • A mortgage covering at least 50% of the house price
  • Your household income to not exceed £80,000 (£90,000 in London)**

**Please note that eligibility criteria may differ depending on your local authority’s requirements. For example, Lydiate Gate – one of our current participating developments – has a maximum household income criteria of £55,000, which is set by the local authority.

How does it work?

The ‘First Homes’ scheme is a government-backed initiative enabling first-time buyers to purchase their first home.

Under the scheme, first-time buyers – whose household income does not exceed £80,000 (£90,000 in London) – can apply for a newly built home and benefit from at least a 30% discount on equivalent houses on the market.

The discount you receive on your purchase will then be passed on to the next buyer, should you decide to sell your home in the future – meaning future first-time buyers can benefit from the scheme for years to come.

Bellway home exterior

First Homes FAQs

What is the First Homes scheme?

The First Homes scheme is a government-backed initiative designed to help first-time buyers onto the property ladder. New-build homes included in the scheme can be purchased with a discount of 30%.

Is there a maximum price on the property I buy?

Yes. The maximum price of a home, after the discount has been applied, will be £250,000 (£420,000 in London).

What else do I need to be eligible?

Alongside being a first-time buyer and having at least a 50% mortgage, there are other criteria set by your local authority. These include local connections and key worker restrictions.

Do I need a deposit?

A 5% deposit is needed.

Will I own my First Homes property?

Yes! You will have full ownership over the home you buy through the scheme.

What happens if I want to sell the house I purchase through the scheme?

The scheme is applied to your home forever, so all future buyers will also benefit from the same discount applied to the property. The new buyer will also require approval from the local authority and must meet the same eligibility criteria. Your solicitor will run through the full details with you.

Alternative ways to buy

No matter your circumstances, we have a range of available schemes designed to meet your needs.

Our service, our promise

Part Exchange

Take advantage of our part-exchange scheme – the stress-free way to move home.

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Couple on sofa

Deposit Unlock

The low deposit mortgage solution for new build homes. Move now with a 5% deposit.

Own New

Own New

Own your new home with just a 5% deposit. Currently available for all homes across Durham.

More than a home builder

All you need when it comes to finding your new home

*The ‘First Homes’ scheme is subject to eligibility, terms, and conditions, and will only be available on selected plots and developments. Please speak to your sales advisor for further information and seek advice from your solicitor.