03/11/2026
First-time buyer with a small deposit? This one’s for you.
The new Your First Home scheme means you could buy a new-build with just a 2.5% deposit, with the government lending you 20%, interest-free for the first five years.
Pre-registration opens in December. Applications from February.
It’s not right for everyone. You repay the loan based on what your home’s worth when you sell, and interest kicks in after year five. But for the right person, it could get you in years sooner.
Want to know if it could work for you? Message us and get ahead before it opens.