{"id":144,"date":"2021-09-28T16:00:53","date_gmt":"2021-09-28T15:00:53","guid":{"rendered":"https:\/\/www.affalo.co.uk\/blog-api\/?p=144"},"modified":"2022-09-08T14:20:18","modified_gmt":"2022-09-08T14:20:18","slug":"first-homes-scheme-what-you-need-to-know","status":"publish","type":"post","link":"https:\/\/www.check.co.uk\/blog\/first-time-buyer\/first-homes-scheme-what-you-need-to-know\/","title":{"rendered":"First Homes scheme: What you need to know"},"content":{"rendered":"\n<hr class=\"wp-block-separator is-style-wide\"\/>\n\n\n\n<p>In June 2021, <a href=\"https:\/\/www.gov.uk\/guidance\/first-homes\" target=\"_blank\" rel=\"noreferrer noopener\">the Government announced a new scheme to help first-time buyers get on the property ladder<\/a>. The First Homes scheme has attracted some interest and attention, as well as controversy. Here\u2019s what you need to know before you consider buying.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">What&#039;s Included?<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.check.co.uk\/blog\/first-time-buyer\/first-homes-scheme-what-you-need-to-know\/#What_is_the_First_Homes_scheme_and_how_does_it_work\" >What is the First Homes scheme, and how does it work?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.check.co.uk\/blog\/first-time-buyer\/first-homes-scheme-what-you-need-to-know\/#What_makes_the_First_Homes_scheme_attractive_to_first-time_buyers\" >What makes the First Homes scheme attractive to first-time buyers?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.check.co.uk\/blog\/first-time-buyer\/first-homes-scheme-what-you-need-to-know\/#The_controversy\" >The controversy<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.check.co.uk\/blog\/first-time-buyer\/first-homes-scheme-what-you-need-to-know\/#Alternatives_to_the_First_Homes_scheme\" >Alternatives to the First Homes scheme<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.check.co.uk\/blog\/first-time-buyer\/first-homes-scheme-what-you-need-to-know\/#Shared_ownership\" >Shared ownership<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.check.co.uk\/blog\/first-time-buyer\/first-homes-scheme-what-you-need-to-know\/#The_95_mortgage_guarantee_scheme\" >The 95% mortgage guarantee scheme<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.check.co.uk\/blog\/first-time-buyer\/first-homes-scheme-what-you-need-to-know\/#Help_to_Buy_equity_loans\" >Help to Buy equity loans<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.check.co.uk\/blog\/first-time-buyer\/first-homes-scheme-what-you-need-to-know\/#Credit-Score_offers_two_fabulous_solutions\" >Credit-Score offers two fabulous solutions.<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_First_Homes_scheme_and_how_does_it_work\"><\/span>What is the First Homes scheme, and how does it work?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The First Homes scheme allows first-time buyers to purchase specific homes at a 30% discount. This means you pay a smaller deposit. What\u2019s more, the taxman calculates your stamp duty based on the discounted price, not the initial price.<\/p>\n\n\n\n<p>All First Homes are new-builds that have been subsidised by the government to make the discount possible. To be eligible for a First Home, you must:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Be a first-time buyer \u2013 <a href=\"https:\/\/www.check.co.uk\/blog\/how-to-buy-your-first-home-in-10-steps\/\" target=\"_blank\" rel=\"noreferrer noopener\">we\u2019ve discussed what that means before<\/a>. To recap: You and anyone you take out a mortgage with must never have owned a house before.<\/li><li>Additionally, your partner must be a first-time buyer too. You are ineligible if your partner has owned a house before, even if the mortgage is taken out in your name only.<\/li><li>Have a household income of no more than \u00a380,000 (\u00a390,000 if you live in London).<\/li><li>Take out a mortgage covering at least 50% of the initial valuation.<\/li><li>Buy the house with the intention of living in it, not letting it out.<\/li><\/ul>\n\n\n\n<p>The First Homes scheme prioritises local buyers, so you may have to prove you have lived in the area to get a place. At the start of the pandemic, the scheme also gave priority to key workers, but this is being gradually phased out.<\/p>\n\n\n\n<p>To apply, you simply need to look for homes being offered under the First Homes scheme and fulfill the conditions above. There is no special application process to go through &#8211; you simply buy the home as normal, with a discount.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_makes_the_First_Homes_scheme_attractive_to_first-time_buyers\"><\/span>What makes the First Homes scheme attractive to first-time buyers?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The First Homes scheme gives you at least 30% off a home\u2019s value. It means you can stay in your local area rather than having to move further away. And what\u2019s more, it means that you won\u2019t need to spend so much on a deposit or take out such a large mortgage, saving you on monthly repayments.<\/p>\n\n\n\n<p>In theory, this should make them great for people trying to get on the property ladder, but the scheme is not without its pitfalls.<\/p>\n\n\n\n<p>If you decide to sell your home in the future, you will have to apply the same discount when selling. This means you won\u2019t get as big a return on your investment as you might have otherwise.<\/p>\n\n\n\n<p>The new-build homes market is competitive, and so you will face the same threat of gazumping as you would with a normal house purchase. Plus, while the saving is considerable, new-builds still tend to go for high prices, meaning the saving might not be as great as you\u2019d hope.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_controversy\"><\/span><strong>The controversy<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The scheme has <a href=\"https:\/\/thenegotiator.co.uk\/government-has-not-through-first-homes-discounted-homes-scheme\/\" target=\"_blank\" rel=\"noreferrer noopener\">come under fire from the property industry<\/a> as it does not incentivise selling homes. This means that people who buy homes on the scheme will be more likely to hold on to them. At the time of writing, Britain is suffering through a badly inflated housing market caused by a short supply of housing in many areas, so a lack of sellers is only going to make the situation worse.<\/p>\n\n\n\n<p>When the scheme eventually ends, nobody is quite sure how the houses are going to be re-sold. The Ministry of Housing, Communities and Local Government is quite reticent to explain how it will all shake out, which isn\u2019t filling property firms with confidence. While it provides a good short-term stop-gap, it isn\u2019t doing a lot to fix long-term issues with the housing market. This is frustrating to all people looking to buy a new home \u2013 not just first-time buyers!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Alternatives_to_the_First_Homes_scheme\"><\/span>Alternatives to the First Homes scheme<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Shared_ownership\"><\/span>Shared ownership<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Shared ownership allows you to buy a cheaper stake in your home from a housing association. You then pay rent on the remainder while paying back the mortgage for the stake. This is an alternative to traditional home ownership.<\/p>\n\n\n\n<p>Credit-Score has <a href=\"https:\/\/www.check.co.uk\/blog\/what-is-shared-ownership\/\" target=\"_blank\" rel=\"noreferrer noopener\">a guide on the subject of shared ownership<\/a> that you might like to read.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_95_mortgage_guarantee_scheme\"><\/span>The 95% mortgage guarantee scheme<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The Government has agreed to guarantee 95% mortgages for some lenders, meaning you would only need to pay a 5% deposit. This scheme is designed to get people on the property ladder with mortgages that aren\u2019t as expensive.<\/p>\n\n\n\n<p>Read more about guarantor mortgages <a href=\"https:\/\/www.check.co.uk\/blog\/guarantor-mortgages-the-risks-and-benefits\/\" target=\"_blank\" rel=\"noreferrer noopener\">here<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Help_to_Buy_equity_loans\"><\/span>Help to Buy equity loans<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Equity loans on the Help to Buy scheme cover up to 20% of a house\u2019s price. The buyer only needs to pay a 5% deposit, and pays back the remaining 75% as a mortgage. Similar to the shared ownership scheme and guarantee scheme above, it means buyers can pay less for their home.<\/p>\n\n\n\n<p>Be warned, however, that equity loans can only be taken out for properties valued up to a certain amount, so be sure to check before you buy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Credit-Score_offers_two_fabulous_solutions\"><\/span>Credit-Score offers two fabulous solutions.<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you\u2019re preparing to take a mortgage, never apply until you\u2019ve tried our unique and&nbsp;<a href=\"https:\/\/home.credit-score.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">FREE Credit-Score Home app.<\/a>&nbsp;Our smart technology will tell you what you need to fix so you avoid rejection. The app predicts when you will be able to buy, for how much and tracks your month-by-month progress to mortgage success. We\u2019ve even added your own mortgage broker, so you get the best deals available.<\/p>\n\n\n\n<p>More focused on your credit rating? Well, get started for free with&nbsp;<a href=\"https:\/\/www.check.co.uk\/register\" target=\"_blank\" rel=\"noreferrer noopener\">Credit-Score\u2019s 24- Factor Credit Check<\/a>&nbsp;to truly help you improve your creditworthiness and how lenders view you. (Remember: lenders don\u2019t use your credit score! We\u2019ll show you what lenders look for and how to get your credit report in the best shape possible).<\/p>\n","protected":false},"excerpt":{"rendered":"The First Homes scheme is designed to help first-time buyers get on the property ladder &#8211; but it&#8217;s proving controversial with estate agents.\n","protected":false},"author":19,"featured_media":5162,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[514],"tags":[507,508,620,663,477,488,621],"class_list":{"0":"post-144","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-first-time-buyer","8":"tag-buying-a-home-for-the-first-time","9":"tag-buying-a-house","10":"tag-creditscore","11":"tag-first-homes-scheme","12":"tag-first-time-buyer","13":"tag-help-to-buy","14":"tag-mortgage-score-home"},"acf":[],"featured_image_src":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2021\/09\/roselyn-tirado-cqAX2wlK-Yw-unsplash.jpg","author_info":{"display_name":"Robert Edwards","author_link":"https:\/\/www.check.co.uk\/blog\/author\/conor-mullinsaffalo-co-uk\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - 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