First time buyer myths busted: Why you can buy your first home in 2025

If you’ve decided that 2025 is your year to get onto the property ladder as a first-time buyer, we’re here to help. Find out the truth behind some of the myths around buying your first home, and learn about the support that is available – such as 100% mortgages with no deposit – and why a new-build home could be the key to making your home ownership dream a reality.

The truth behind the first-time buyer myths

Myth: It’s too hard to buy a home while you’re renting

It’s no secret that saving for a mortgage deposit can be a long and difficult process, especially when you’re already paying rent on a property that is owned by someone else. But the good news is that help is available, including specific mortgage products that are designed to help renters get onto their own property ladder.

There are a number of affordable house-buying schemes available to help first-time buyers to find their ideal home, including Deposit Unlock, the low-deposit mortgage solution for new build homes. Using the Deposit Unlock scheme, you could secure a competitively-priced mortgage on a brand-new Bellway home with just a 5% deposit.

For people who are currently renting, Track Record 100% mortgages offer you the opportunity to buy a home – without a deposit. This eliminates an enormous hurdle to buying your first home, so whatever type of property you dream of owning, you could be picking up the keys in 2025.

Myth: Finding your ideal first home is a difficult process

The home buying journey can be bumpy at times, especially when it’s your first time –from the confusing house-buying terminology that you must navigate, to the overwhelming choices and decisions that you need to make along the way.

However, when you choose a new build Bellway home, you’ll have support from the very beginning of the process. As first-time buyers, you’ll benefit from the knowledge and insight of your Bellway sales advisor, providing you with guidance in choosing your perfect plot and taking advantage of the buying schemes and incentives that are available to make your home even more affordable.

Plus the support doesn’t end when you move into your home, as Bellway’s Customer Care team will be there for you, long after the day you receive your keys. You’ll also have the peace of mind that every Bellway property comes with a 10-year warranty and insurance protection as standard – just one more of the many great reasons to buy a new build home.

Myth: Your first home won’t be perfect

Just because you’re a first-time buyer, doesn’t mean that you need to compromise on finding your ideal home. With so many different Bellway house styles available, from 1 and 2-bedroom apartments to an array of 2, 3 and 4-bedroom homes, you can find your perfect first property – whether you’re looking for a starter home that fits your current lifestyle, or you’re looking for space to grow into.

So that means you don’t need to settle for a first home that isn’t right for you, or one that will require extensive redecoration, or expensive renovation to meet your needs. With a new build Bellway home, you can choose elements of its interior – such as kitchen cabinets, bathroom tiles and flooring – to suit your individual tastes, so it will feel like home as soon as you step in for the first time, and before you begin adding your own personality onto its perfect blank canvas.

You’ll also have the reassurance that your brand-new appliances are ready to use, and that your Bellway home is energy-efficient, meaning you could save hundreds of pounds per month on your utility bills compared to an older property*.

To find out more, visit Bellway's first-time buyer information hub now, or find your nearest Bellway development of new homes to speak with a sales advisor in person. You can also read the inspiring stories of first-time buyers who chose a Bellway home, including Amy and Jake, whose cancelled wedding heartbreak led to their first home love story, and Emma and Dom, a couple who found their perfect home and made lifelong friendships as part of their new community.

*Figure based on HBF 2024 'Watt a Save' report. Based on HBF analysis of EPC ratings, taking into account the scheduled Energy Price Guarantee (EPG) increases.