First Time Buyers

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Hill has an array of properties for first time buyers to step on to the property ladder with. We also offer Help to Buy and a range of incentives across our homes to help you own your first home!

A home for everyone

At Hill, we have plenty of properties perfect for first time buyers looking to take their first step on to the property ladder.

Whether you are looking for a home for your family to grow, or your first apartment in the city, we have something for every first time buyer.

Rayners Green

From July 2020 to 30th June 2021, any home up to the value of £500,000 will not pay any stamp duty.

From 1st July 2021, as a first time buyer, you will not need to pay Stamp Duty on properties worth up to £300,000. Where the purchase price is between £300,000 and £500,000, you will pay 5% on the amount above £300,000. If your first home is above £500,000, you will not qualify for first-time buyer’s relief. 


Help to Buy: Equity Loan

Help to Buy: Equity is now exclusively available to first-time buyers. The Government-backed scheme allows you to purchase a stunning new Hill home with just a 5% deposit. You'll then be able to access up to 20% (40% in London) of the property price through an equity loan which is provided by the Homes and Community Agency (HCA). You'll then require a 55% mortgage to cover the remaining cost of your home.

Terms and conditions apply - for more information regarding the scheme, click here.

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