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Eligibility checker

Buyer incentives eligibility checker

Tell us about your situation and we'll show the UK buyer incentives and schemes you're likely to qualify for — then take you straight to the homes offering them.

Your situation

You may qualify for 6 incentives

  • First-time buyer stamp duty relief

    First-time buyers pay no SDLT on the first £300,000 of a purchase up to £500,000 in England and Northern Ireland.

    Check your stamp duty

  • Shared ownership

    Buy a 10–75% share with a smaller deposit and pay rent on the rest — income caps apply (£80,000, or £90,000 in London).

    Browse shared ownership homes

  • Developer deposit contributions

    New-build developers frequently pay 5% towards your deposit, or cover flooring, appliances and legal fees.

    See new homes with incentives

  • Stamp duty paid offers

    Some sellers and developers cover the SDLT bill outright — worth thousands on a purchase above the £125,000 threshold.

    See stamp-duty-paid listings

  • Chain-free purchases

    Chain-free sellers complete faster and are often more open on price — especially attractive if you're also chain-free.

    Browse chain-free homes

  • Moving costs and early-completion offers

    Removals, survey and legal fee contributions are common when a seller wants a fast exchange.

    Browse all buyer incentives

Not a match right now

  • Part exchange — Developers can buy your current home so you avoid a chain, estate agent fees and the risk of a fall-through.

Indicative guidance only, not financial or legal advice. Scheme rules and developer offers change; confirm eligibility with the agent, developer or a qualified adviser before committing.

Incentives and eligibility questions

Common incentives include stamp duty paid by the seller, deposit contributions (often 5% on new builds), part exchange of your current home, flooring and appliances included, moving and legal costs covered, early-completion discounts, and chain-free sales. Government-backed routes include shared ownership and first-time buyer stamp duty relief.

You qualify if you (and anyone buying with you) have never owned a residential property anywhere in the world, the property will be your only home, and the price is £500,000 or less. Relief means no SDLT on the first £300,000 and 5% on the balance in England and Northern Ireland.

Shared ownership is open to households earning under £80,000 a year (£90,000 in London) who cannot afford to buy on the open market. You must not already own a home, or must be in the process of selling one. You buy a 10–75% share and pay subsidised rent on the remainder.

No. It's an indicative guide to the incentives and schemes worth exploring based on your answers. Individual developments, sellers and lenders set their own criteria, and scheme rules change — always confirm with the agent, developer or a qualified adviser before you commit.