The mortgage journey
How we'll help
The site will grow around the purchase once Your First Home has rules, lenders and a developer list. Until then, this is the order of work — not an application you can start today.
01
A conversation after the rules exist
We start with whether you are likely to be a first-time buyer under the scheme's definition, and whether the home is a new build from a developer on the list.
02
Figures against the caps
Deposit, equity loan and mortgage, checked against the income cap and the price cap for that area. If the home sits outside the cap, we say so.
03
A recommendation, not a webpage
An authorised adviser compares the scheme with a straightforward mortgage, including a higher-deposit loan if that suits you better. This website will not pretend to do that job.
04
Through to completion
Application, offer, the equity-loan paperwork once the administrator publishes it, and the point where your solicitor completes. We will describe those steps properly when they exist.
What you do now
- Read what has actually been announced.
- Join the list if you want the Budget detail from us.
- Do not pay a reservation on the assumption that this loan will be available.
- Keep your own deposit plans intact. 2.5% is expected, not guaranteed.