Answers for your first home.
Plain answers to the questions behind the numbers. Find an explanation, then put it to use.
Last updated
Deposits, saving and schemes
Budget 2026: what changes for first-time buyers
Your First Home limits and opening stages, the LISA withdrawal change and a future savings ISA. A practical England buyer summary of the published Budget.
Read the guide ↗Buying guidesFirst Time Buyer ISA: the April 2029 plan
The Budget plans a new first-home ISA from April 2029, with a £450,000 home cap and a 25% bonus capped at £20,000. It is not open today.
Read the guide ↗Buying guidesYour First Home: Budget rules, caps and dates
The government equity loan, deposit limits, opening stages and unknown costs.
Read the guide ↗Buying guidesCan a Lifetime ISA help with my deposit?
Bonus, price cap, withdrawal charge and Help to Buy ISA differences.
Read the guide ↗Buying guidesCould I buy with a smaller deposit?
Understand no-deposit, £5,000 and 5% mortgages.
Read the guide ↗Buying guidesSkipton Track Record: buying without a deposit
Skipton Track Record can consider borrowing without a cash deposit using recent rent-payment evidence.
Read the guide ↗Buying guidesHalifax £5k Deposit mortgage: rules and costs
Halifax offers a £5,000-deposit mortgage for first-time buyers, with its own restrictions.
Read the guide ↗Buying guidesSantander My First Mortgage: 98% and £10k explained
Santander My First Mortgage can reach 98% loan-to-value, but requires a deposit of at least £10,000.
Read the guide ↗Start with your budget
Understand the costs
Prepare for the process
View homes and explore offers
After an offer is accepted
Check the buying tax
Checked 28 October 2026. Rules and product availability can change; check the original information before acting.
GOV.UK · How to buy a home ↗MoneyHelper · Applying for a mortgage ↗