Request a Callback

First Homes Scheme: Help for first time buyers

Looking to Buy Your First Home? Let Hopkins Solicitors Guide You Through the First Home Scheme.

Unlock the Door to Homeownership with Expert Legal Support.

The First Home Scheme offers substantial discounts to first-time buyers, making homeownership more accessible. At Hopkins Solicitors, we help you navigate this process with ease, ensuring you meet all eligibility criteria and make informed decisions.

Why Choose Hopkins Solicitors for the First Home Scheme?

  • Specialised Expertise: Our team understands the complexities of the First Home Scheme and provides clear, tailored advice to help you qualify and benefit from this opportunity.
  • Personalised Service: We offer dedicated support throughout the application process, from eligibility checks to document preparation and negotiations with developers.
  • Comprehensive Guidance: We ensure you understand all aspects of the scheme, including the benefits and considerations, so you can make well-informed decisions about your future.

Ready to Start Your Journey to Homeownership?

Navigating the First Home Scheme can be complex, but with our expert legal guidance, you can move forward with confidence. Let us help you achieve your dream of owning a home.

Request a Callback Conveyancing Fees Calculator

Understanding the First Homes Scheme 

The First Home Scheme is designed to assist first-time buyers in the UK in achieving homeownership dreams. It offers substantial discounts of 30-50% on property prices, making it more accessible. To qualify, applicants must meet specific eligibility criteria. This includes first-time buyers. The household income must be within certain limits to secure a mortgage for at least 50% of the property price. The scheme primarily targets key workers and local residents. Local authorities are playing a crucial role in prioritising these groups. The income cap ensures affordability. The need for a large mortgage contribution shows stability. It also shows commitment to homeownership. Hopkins Solicitors can be your legal advisor. With us, navigating the First Home Scheme is easier. We ensure you make informed choices and get the benefits.

Eligibility Criteria

To qualify for the First Home Scheme, applicants must meet specific requirements. Applicants must be at least 18 years old, ensuring legal capacity for property ownership. They must be first-time buyers. This means that they have not previously owned a residential property.

For joint applications, there are income limits to consider. They ensure affordability and shared responsibility. Applicants must adhere to these limits based on combined household income. Joint applicants must share mortgage duties. This shows financial stability and commitment to homeownership.

Local authorities may add criteria variations. These would prioritise specific groups in their communities, like key workers or residents. These changes ensure that people in key roles or with local ties have better access to the scheme. This matches the wider community’s goals and needs.

At Hopkins Solicitors, we understand the need to meet eligibility criteria. We also know how to manage the application process. Our team is here to support you. We help first-time buyers achieve their dreams of owning a home.

Request a Callback Conveyancing Fees Calculator

Application Process

Beginning the First Home Scheme journey involves several key steps to ensure a smooth and successful application process. Understanding the eligibility criteria is paramount. You confirm your eligibility by meeting age requirements. Ensure you have all the correct documents before starting. These include ID, proof of income, and evidence of eligibility. With paperwork in order, explore available properties under the scheme, considering factors like location and amenities. Getting pre-approval for a mortgage is key. It should cover at least 50% of the property’s value and prove you are financially ready. 

The next step is to complete the application form. Then, submit it with the required documents to the local authority. After submission, await review and approval, or alternatively, apply through developers or estate agents. Before reserving a plot or property, verify eligibility to avoid complications. Seek guidance from the local authority for any questions or concerns, ensuring a smooth application experience.

Benefits and Considerations 

The First Home Scheme offers great financial benefits to first-time buyers. These include much lower deposit and mortgage costs. By using this scheme, people can access homeownership at lower costs. It makes it more attainable for many. However, certain considerations accompany participation in the scheme. Resale conditions say the original discount must carry over to later buyers. This rule could hurt future sales. 

Challenges arise because there is no centralised portal for registration. This means applicants must do thorough research and be diligent to navigate the process well. Additionally, people must weigh the discount’s permanence. It will affect their long-term financial plans. The scheme has immediate benefits. But, to make informed decisions, participants must understand and address these points. This will ensure the decisions fit their goals and circumstances.

How Hopkins Solicitors Can Help

Hopkins Solicitors offers specialised legal expertise. We guide first-time buyers seamlessly through the process of the First Home Scheme. Our team helps confirm eligibility. We also prepare all the needed documents. This ensures a smooth application process. We are great at negotiating with developers – we fully understand contracts and offer insightful advice on local criteria variations. Additionally, we provide expert support in navigating mortgages. We help buyers secure the best financing options. After purchase, our team is committed to providing ongoing support. We ensure that clients feel confident and supported as they move towards homeownership.

Request a Callback Conveyancing Fees Calculator


The First Home Scheme is an exciting opportunity for first-time buyers. It lets them achieve the dream of homeownership with less financial burden. The scheme has big benefits. It reduces deposit and mortgage costs. But, you must consider some issues. You need to do thorough research. And, you must understand the permanence of the discount. 

At Hopkins Solicitors, we’re here to support you at every step. We offer specialised legal help, assistance with eligibility and document prep, and expert negotiation with developers. We’ll help guide you through the process of your application, ensuring that you feel empowered and confident in your journey toward owning your first home.


How can I determine if I'm eligible for the First Home Scheme?

To be eligible, you must be a first-time buyer. You must meet age requirements and income limits for joint applications. Local variations may apply, so it’s crucial to research specific criteria for your area.

What financial benefits does the First Home Scheme offer?

The scheme provides significantly reduced deposit and mortgage costs, making homeownership more accessible for first-time buyers.

Are there any resale conditions associated with properties purchased through the scheme?

Yes, properties typically come with resale conditions. These require the original discount to carry over to subsequent buyers. This rule ensures affordability for future purchasers.

What challenges should I consider before applying for the First Home Scheme?

One challenge is the need for thorough research due to the lack of a centralised registration portal. Additionally, it’s important to understand the permanence of the discount and its implications.

How can Hopkins Solicitors assist me with the First Home Scheme?

We guide first-time buyers through the application process. We help with eligibility and document prep. We negotiate with developers and help with contracts. We also offer support with mortgages and post-purchase matters.

Request a Callback

"*" indicates required fields

Preferred Method of Communication*
Per GDPR regulations, if you opt in to receive communication from Hopkins Solicitors, you will only receive information about your enquiry, your case or information about our services and products that are relevant to you. We do not share your information with any third parties. Please opt-in by ticking the boxes below.
This field is for validation purposes and should be left unchanged.


  • 5 Stars

    Taqhdees and Mustafa were very helpful in a house purchase matter for me. I found their service and advice to me were excellent, I would strongly recommend Hopkins and their team.

    , 4th October 2022

  • 5 Stars

    Myself and my partner individually bought and sold a house using Hopkins Solicitors. Our solicitor on both occasions was Sarah Ogilvy. Throughout both processes she was extremely efficient, calm and professional. She always seemed to be one step ahead which, when buying (and selling) is so important to provide reassurances and alleviate any unnecessary anxiety or stress. Over the phone and in person she was also very personable. We wouldn’t hesitate in using Hopkins again in the future and would thoroughly recommend Sarah. Thank you for everything.

    , 14th September 2022

  • 5 Stars

    The Hopkins are very professional, supportive and give excellent customer service. I am very satisfied and happy with their services.

    , 9th September 2022

Accept Cookies

We use cookies to personalise content, provide social media features and to analyse our traffic. We also share information about your use of our site with our social media and analytics partners who may combine it with other information that you’ve provided to them or that they’ve collected from your use of their services. By using this website, you agree to the use of cookies as stipulated in our privacy policy.

Accept Cookies