Your First Home scheme
Take your first step onto the property ladder.
Helping you take your first step onto the property ladder
Buying your first home could become more achievable with the Government’s proposed Your First Home scheme, designed to help eligible first-time buyers in England purchase a new-build home with a smaller deposit.
Full details are expected to be announced at the Autumn Budget on 28th October 2026. Until then, here’s what we know so far and how the proposed scheme could work.
What we know so far
How will the Your First Home scheme work?
Based on the Government’s initial announcement, the proposed scheme is expected to offer eligible buyers:
- Access to a mortgage with a 2.5% deposit on a qualifying new build home.
- A Government equity loan of up to 20% of the property’s value.
- Improved affordability, potentially reducing the mortgage you need and helping you access competitive mortgage rates.
The scheme is separate from the existing First Homes scheme. Final details, including eligibility criteria, household income limits and property price caps, are yet to be confirmed.
Find your first home with Anwyl
What could this mean for you?
To help you understand how the proposed scheme could work, here’s an illustrative example based on a new-build home priced at £300,000*:
| How the home could be funded | Amount |
|---|---|
| Your 2.5% deposit | £7,500 |
| Proposed 20% Government equity loan | £60,000 |
| Remaining 77.5% mortgage | £232,500 |
| Total property price | £300,000 |
We plan to offer the Your First Home scheme at our developments across England, including Cheshire, Lancashire, Merseyside, Greater Manchester and Shropshire, subject to the Government’s final eligibility criteria and property price caps.
Once further details are announced, we’ll confirm which homes qualify.
Other ways to make moving more affordable
Ready to find your first home?
At Anwyl Homes, we’re committed to helping more people take their first step onto the property ladder. While we await confirmation of the Your First Home scheme, we also offer a range of ways to help make moving more affordable, including deposit contributions on selected homes and other tailored incentives.
Discover the options available to help you make your move.
FAQs
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The scheme is intended for first time buyers purchasing a qualifying new build home in England. Household income limits, property price caps and other eligibility criteria are expected to apply, with full details yet to be confirmed by the Government.
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The proposed scheme is expected to allow eligible buyers to access a mortgage with a deposit of just 2.5% of the property’s value. Final requirements will depend on the Government’s confirmed scheme rules and mortgage lender criteria.
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We plan to offer the scheme at our developments across England, including Cheshire, Lancashire, Merseyside, Greater Manchester and Shropshire. Availability will depend on the final Government criteria and property price caps. We’ll confirm which developments and homes qualify once further details are announced.
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The scheme’s final details, including eligibility requirements and implementation, are yet to be confirmed by the Government. We’ll update this page as more information becomes available. In the meantime, our team can discuss other ways to help you buy your first home, including deposit contributions on selected homes and other incentives.
Please note: Your First Home is a proposed Government scheme. All details, eligibility criteria and availability are subject to confirmation. We’ll update this page as further information becomes available.
*This example is for illustrative purposes only and is based on the proposed 2.5% deposit and 20% equity loan announced by the Government. The scheme’s final terms, eligibility criteria, property price caps, lender participation and launch date have not yet been confirmed and may differ from those shown. The example is not a mortgage offer or financial advice. Mortgage approval is subject to lender criteria and affordability assessments. Additional purchase costs may apply.
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“We would 100% recommend Anwyl”
We’d looked at other new builds locally before deciding to buy a new Anwyl home. Their team have been absolutely brilliant all the way through, even though we had a little hiccup when the sale of my house fell through four times.Andy and Nicky – Priory Gardens at Yew Tree Park
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We loved the sales team because they listened to us and we love the homes because they have a different feel – a new build with character!Mr and Mrs Hart – Priory Gardens
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The sales team and site manager at The Oaks were really helpful. I couldn’t fault them. People keep asking us what we are going to do but now, I think, we are just happy to relax.Mr and Mrs Lloyd – The Oaks at Rossbank
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We were one of the first to move in and took pictures every day of the different stages of the houses being built. We’ve seen first-hand the amount of work and detail that’s gone into them.Colin, Verity and Will – Lawrence Gardens and Cross Fields