Report published September 28, 2026
UK Home Builders: New Help to Buy Scheme Confirmed – Goldman Sachs Research
Goldman Sachs · September 28, 2026
The UK government has announced 'Your First Home', a new Help to Buy equity loan scheme offering 2.5% deposits and 20% government equity loans for first-time buyers of new-build homes. Full implementation details and developer contributions will be confirmed at next month's Budget.
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Key Takeaways
- 1.The UK government announced that a new version of Help to Buy, titled 'Your First Home', will be formally confirmed at next month's Budget.
- 2.The new scheme will support 2.5% deposits with 20% government equity loans featuring an initial interest-free period, household income caps, and local property price caps.
- 3.Developers will be required to make financial contributions to cover scheme costs, with full details to be disclosed by the Chancellor at the upcoming Budget.
Report data
Key figures extracted from this report
| Metric | Estimate | Context |
|---|---|---|
| Previous Help to Buy share of total completions | 25% | Average percentage of total completions supported by the previous Help to Buy scheme |
| Previous Help to Buy total enabled home purchases | 105.4 GBP bn | Aggregate value of home purchases enabled under the former Help to Buy scheme |
| Buyer deposit requirement under 'Your First Home' | 2.5% | Deposit percentage required from prospective first-time buyers |
| Government equity loan backing under 'Your First Home' | 20% | Equity loan proportion provided by the government for new-build purchases |
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