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First Homes

What is the First Homes Scheme?

The First Homes Scheme* is an exciting initiative introduced by the UK Government to make home ownership more accessible to first-time buyers and key workers in England. This transformative scheme is designed to assist people to settle into the communities they serve and love by offering a discount on the market value of selected properties.

With First Homes, you can secure a brand new Miller home at a minimum of 30% off its market value, making your first step onto the property ladder much more affordable. The scheme aims to ease the burden of property prices in England and promote social mobility, opening doors to the dream of homeownership for those who would otherwise struggle to buy within their local community.

How to Apply for First Homes Scheme

Applying for the First Homes Scheme* is an easy process designed to be as straightforward as possible. To begin, you'll need to confirm your eligibility for the scheme, which includes being a first-time homebuyer and meeting certain income criteria. Once confirmed, our Development Sales Managers at Miller Homes will guide you through every step.

From selecting one of our First Home plots on specific developments to connecting you with our recommended independent financial advisers, we are here to support you throughout your homeownership journey. To kickstart the process, reach out to our dedicated team who will assist you in understanding the scheme's terms, navigate the application, and take you one step closer to owning your very own new build property. 

Is the First Home Scheme Worth It?

Absolutely! The First Homes Scheme* presents an incredible opportunity for first-time buyers and key workers (in certain local authorities) to not just own a home, but a beautiful, quality-built Miller home. Imagine owning a home at a significant discount, with the cost of your dream property reduced by a minimum of 30%.

This scheme makes homeownership a realistic and attainable goal. For many, the hurdle of saving for a large deposit and securing a mortgage based on high market values can feel daunting. With First Homes, that hurdle is significantly reduced. You can secure your new home with a smaller deposit and lower mortgage borrowing, making your monthly repayments more manageable.

Who is Eligible for the First Homes Scheme?

The First Homes Scheme* is designed for first-time buyers who haven't previously owned a property. If you're purchasing your home with someone else, both of you must be first-time buyers.

In addition to being a first-time buyer, you'll need to meet specific income criteria. Your combined annual household income should not exceed £80,000 (£90,000 in Greater London). The property you choose must be your main residence, and not a buy-to-let investment.

A purchaser of a First Home should have a mortgage or home purchase plan (if required to comply with Islamic law) to fund a minimum of 50% of the discounted purchase price

Please also note, each local authority will have its own eligibility criteria.

So, if you fit into these categories, your dream of owning a home could be closer than you think. Get in touch with the team at Miller Homes today to start your homeownership journey today.


*You must be a first-time buyer, who does not currently own or have previously owned a property.

 If purchasing with someone else, both buyers must be first-time buyers, and their combined annual household income cannot exceed £80,000 (£90,000 in Greater London).

The purchased home must be your main residence, not a buy-to-let property, and you must secure a mortgage or home purchase plan covering at least 50% of the discounted property purchase price.

The maximum purchase price after the discount is £250,000 (£420,000 in Greater London) for the first sale of a First Homes property.

The scheme is subject to availability, status, and eligibility criteria set by each local authority, which may vary between development sites.

The mortgage must be a capital repayment mortgage.

First Homes cannot be combined with any other offers, and you cannot apply for other government shared equity schemes (e.g., Help to Buy) while using the First Homes scheme. Any existing applications to other shared equity schemes must be withdrawn before purchasing a First Homes property.

The minimum discount on a property must be at least 30% of the market value. However, discounts may vary depending on the criteria set by each local authority.

Please note the intention of the First Homes scheme is to retain the discount market price for all future sales. Therefore, on a resale of a first home, the seller is likely to be required to sell the First Home on the same terms as it was acquired (subject to certain exceptions) to preserve the discounted sale price.  

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First Homes FAQs

Can I purchase any Miller property through the First Homes Scheme?

No, not all our properties are available through the First Homes Scheme*. Only specific developments are part of this initiative. Please contact our Development Sales Managers to get a list of eligible properties.

Can I use other government schemes like Help to Buy with the First Homes Scheme?

The First Homes Scheme* cannot be used in conjunction with other government schemes such as Help to Buy, Shared Ownership or the Lifetime ISA.

Can I use the First Homes Scheme if I have previously owned a home with someone but am now a single person who cannot afford to buy?

No, the First Homes Scheme* is exclusively for first-time buyers who have not previously owned a property.

How can I start my application for the First Homes Scheme?

To start your application, get in touch with our team who will guide you through the process and introduce you to our recommended independent financial advisers.

Can key workers from outside the local area apply for the First Homes Scheme?

Yes, key workers who are first-time buyers can apply for the First Homes Scheme* regardless of whether they currently live in the local area. However, the scheme's primary aim is to help local first-time buyers and key workers own their own home in the area they live and work (depending on the local authority’s specific eligibility criteria).

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