What is now confirmed?
The Budget sets deposits at 2.5%-15%, equity borrowing up to 20%, and household-income caps of £110,000 outside London or £140,000 inside. Pre-registration is planned by the end of December 2026, applications from February 2027 and first loans from April 2027.
Read the full Your First Home guide, price caps and remaining unknowns →
See the Budget savings and first-home summary →
Get confirmed scheme updates and opening-date reminders →
Sources and conditions
Checked 25 October 2026. Rules and product availability can change; check the original information before acting.
MHCLG · Your First Home announcement ↗GOV.UK · How to buy a home ↗MoneyHelper · Applying for a mortgage ↗