Register for Your First Home updates
The Your First Home scheme was announced on 26 September 2026. The income cap, price caps, interest-free period, repayment rules and lender panel will be set out at the Budget on 28 October. Pre-registration has been reported to open by the end of the year.
Register in under a minute Your name, email and the area you are looking to buy in. No credit check, no commitment.
The Budget figures, the day they are published The household income cap, the local price caps, how long the interest-free period lasts and what the equity loan costs after it. Sent as one email after 28 October, in plain English.
A note when pre-registration opens Pre-registration has been reported to open by the end of 2026. When it does, we will tell you what it involves and what to have ready.
The lender panel, compared with the rest of the market Once the participating lenders are named, we will compare their scheme mortgages against everything else on the market across 90+ lenders, including standard 95% mortgages, so you can see which route costs less for your home and income.
Advice when you want it Appointments by phone, video call or in person at our Chorley offices. This list is for scheme updates only; nobody will ring you because you registered.
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Frequently Asked Questions
Is there a charge for registering?
No. Registering costs nothing and does not commit you to anything. If you later ask us to arrange a mortgage, our standard advice fee applies. Read more about our fees.
What will you send me?
One email after the Budget on 28 October 2026 with the confirmed scheme details, and one when pre-registration opens. If the lender panel is announced separately, we will send that too.
Will registering affect my credit score?
No. Registering does not involve a credit check or credit search of any kind.
Can I use the scheme if I am not a first-time buyer?
The government has said the scheme is for first-time buyers in England buying a new-build home from a developer signed up to the scheme. If you are buying jointly with someone who has owned before, the rules on that have not been published. Register anyway and we will tell you once they are.
Can you tell me now whether I qualify?
Not yet. The household income cap and local property price caps will be set at the Budget on 28 October 2026. Until then nobody can say whether a particular home or household qualifies. What we can do now is work out how much you could borrow and get a mortgage in principle in place, so you are ready when applications open.
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There will be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate that it will be £495 for a residential/buy to let mortgage or £1,495 for an equity release/retirement mortgage.
Aspect Mortgages Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (https://register.fca.org.uk/s/) under FCA reference 305352. The FCA do not regulate Business Buy to Let Mortgages.
As independent advisers we have access to the whole market, except for deals that you can only obtain by going direct to a lender. Registered in England and Wales No: 05103801. 16 St Thomas' Road, Chorley, PR7 1HR.
A Lifetime Mortgage may reduce the value of your estate and could affect your entitlement to benefits. To understand the features and risks please ask us for a personalised illustration.
Your home may be repossessed if you do not keep up repayments on your mortgage.
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