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Receive updates about other nearby developments from Bellway Homes and sister brand Ashberry Homes, as well as related products and news.
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Launching in 2027, Your First Home is a new government scheme helping first-time buyers in England to buy a new-build home with a 2.5% deposit, plus a 20% equity loan. Here’s everything you need to know so far about the Your First Home scheme.
Last updated: 4th November 2026
Dreaming of a new-build home, but losing sleep over saving for a deposit? You're not alone. That's why the Government's new Your First Home scheme, launching in spring 2027, is already creating a buzz among first-time buyers in England.
While full details are expected shortly, the scheme will help more people take that all-important first step onto the property ladder with just 2.5% deposit, in return for a 20% government-backed equity loan to buy a new-build home. You’ll get a mortgage for the rest.
Register below and we’ll keep you posted on this exciting new scheme for first-time buyers, as details could change before it’s officially launched in 2027. If you're set on owning your first home as soon as possible, have a look at the ways to buy for first-time buyers that are already up and running.
Based on the initial announcement, here’s what we know about Your First Home scheme so far:
Put simply, buyers would contribute a 2.5% deposit, the Government would provide a 20% equity loan, and a participating lender would provide a mortgage for the remaining 77.5%.
For example, on a £300,000 new-build home, that could mean:
These figures are for illustration purposes only.
Sign up below and we'll keep you informed.
Many renters are already paying monthly amounts comparable to mortgage repayments, and this stands in the way of saving enough for a house deposit.
A scheme requiring just a 2.5% first-time buyer deposit could help change that, with potential benefits including:
Until then, start exploring Bellway developments in your area to see what we’ve got on offer, and have a look at other ways to buy for first-time buyers to get familiar with all your options.
The Your First Home scheme is still in its early stages, and more details are expected shortly. We’ll keep this page up to date with everything you need to know, as soon as we do.
The Government’s Your First Home scheme will be open to first-time buyers in England, who want to purchase a new-build home from a participating housebuilder.
Further details can be read here on the government website, and full details, including eligibility criteria are expected shortly, but there will be a household income cap of £110,000 (£140,000 in London) and local property price caps. We’ll update this page as soon as we know more.
Full details are still to come, but the Your First Home scheme will give first-time buyers in England the opportunity to buy a new-build home with a minimum 2.5% deposit, topped up with a government-backed 20% equity loan.
You’ll need to choose a home with a participating housebuilder and apply for a standard mortgage for the remaining amount of the property purchase price.
You’ll put down a minimum of 2.5% deposit for the Your First Home scheme, and the government will offer you a 20% equity loan to boost your deposit. You’ll then need a mortgage for 77.5% of the property purchase price from a participating lender, as you would if you were buying a home without using the scheme.
We don't know yet whether you'll be able to use a gifted deposit for the Your First Home scheme, as full details and eligibility criteria are still to be announced. As soon as we know, we'll update this answer.
If you need to use a gifted deposit to buy your first home, there are several other ways to buy for first-time buyers that do allow a gifted deposit, and might be worth considering. Have a chat with your Bellway sales advisor if you'd like to explore any of them.
The Your First Home scheme will be exclusively for buying a new-build home in England from a participating housebuilder.
When full details are confirmed, we can tell you more about which new Bellway homes will be available to buy with this exciting new scheme.
The scheme is expected to run from spring 2027, with applications to open before this.
Price caps are simply the maximum purchase price of a new-build property that you are allowed to buy using the scheme. They are set out by local authorities and are based on the average price of a home in that specific local authority district. Find the full list here.
This is not a formal quotation or a commitment to lend. All figures provided are for illustrative purposes only and subject to the government Your First Home scheme being finalised. Figures provided will be dependent on your financial situation, property value and the size of your deposit or equity.
No matter your circumstances, we have a range of available schemes designed to meet your needs.
A government-backed scheme for first-time buyers in England, to buy a new-build home at 30% discount.
Find out your options for getting a mortgage with zero deposit, including the Track Record scheme for renters.
From help with your deposit to lowering your mortgage repayments, explore all the schemes to support first-time buyers.
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Terms and Conditions
* YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. All mortgages are subject to status and lender criteria. T&Cs apply. Eligibility criteria still to be confirmed for the 'Your First Home' scheme.
