New First Buyers

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FirstBuy Buyers’ Guide
Homes and Communities Agency August 2011 http://www.homesandcommunities.co.uk/firstbuy

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What is FirstBuy? FirstBuy is an affordable housing deposit assistance equity loan product from the Homes and Communities Agency, working in partnership with house builders. It aims to make more new affordable homes available to eligible buyers priced out of the housing market. FirstBuy is available in England and only from approved, participating house builders for a limited time period – no assistance is available after March 31st 2013. This guide provides an overview of the product. If you’d like to know more, or if you want to apply, please contact your Local HomeBuy Agent (see page 18).

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Check that these mortgages will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice.

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Overview: the ‘stepping-stone’ into home ownership With FirstBuy, the buyer (‘you’) buys a new home on an approved FirstBuy new build development with assistance from both the Homes and Communities Agency (‘the Agency’) and the house builder in the form of two equity loans. You must take out a first mortgage (with a qualifying lending institution e.g. a bank or building society). This mortgage, together with any cash contribution from you, must be a minimum of 80% of the full purchase price the maximum full purchase price is set at £280,000.) The Agency and the house builder will provide equal equity loans to…...

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