November 2025
November 2025
How to choose the right scheme when buying your new build
Whether you're a first time buyer or searching for your next move, here’s our guide to the best schemes to suit you.
Every buyer is unique, which is why we’ve designed a range of schemes to help make the home-buying process more straightforward and save you time and money for a stress-free move. Including low deposit options that help you on the housing ladder – let’s explore what’s on offer.
Buying your first home is an important milestone. It’s exciting, but it can also feel overwhelming. That’s why we’ve created buying schemes that make everything more simple and affordable, so you can start your journey with confidence.
Deposit Boost is perfect if you’ve saved at least a 10% deposit. When you use this scheme, we’ll add an extra 5%, giving you a total deposit of 15%. This can make a significant difference, as you’ll borrow less, lower your monthly payments and possibly even access a better mortgage rate. Making it a great way to make your first house purchase that much more affordable.
Our Own New scheme works with trusted lenders and investment banks to secure mortgages of up to 95% – giving you more options and greater flexibility.
If family can help you get on the housing ladder, it’s well worth taking a look at our Bank of Mum and Dad offer. If gifted at least 5% of the purchase price as a first time buyer, we’ll show our appreciation with a £2,000 cash gift. This way you can share your journey with loved ones, and enjoy a little extra thank-you for their support.
Of course, it’s not just about securing the best financial option – it’s about finding a place to call your own. Our schemes are here to make the process smoother, so you can focus on the excitement of decorating your new space and making it truly yours.
Moving house is an exciting new chapter, but we know it can be stressful too. From selling your current property to securing your dream home, there’s a lot to manage. That’s why we offer buying schemes designed to take the pressure off, so you can enjoy the journey.
With our Part Exchange scheme, you don’t have to worry about selling your existing home. We’ll buy it from you directly, allowing you to focus on purchasing your new home. There are no estate agent fees, no chains to hold things up and no stress about finding a buyer. Perfect if you’re looking for a straightforward, hassle-free way to move into one of our new homes.
If you’d rather manage the sale of your property but need a little help, Home Change could be the ideal solution. We’ll market your current property, find you a buyer and oversee the entire process. This means you don’t have to deal with the stress of managing viewings or negotiations – making your move as simple and seamless as possible.
More than four walls (and a lovely doorway), finding the perfect property is about creating your happy place, making your fondest memories and feeling that your new base is your sanctuary. That’s why we go the extra mile to offer financial support and guidance every step of the way.
Designed with modern living in mind, our premium new build homes combine high-quality energy efficiency with timeless style that you can make your own with our Select Options service. Our offers are available on selected plots, so it’s always worth exploring what’s available in your chosen location and talking to your nearest adviser.
Buying property is one of the most important steps in life, and preparation is key. Here are a few crucial points to remember:
Take time to work out how much you can afford, including your deposit and monthly mortgage payments. Remember to consider carefully any future rising costs that may happen, and give your finances room to accommodate those unpredictable expenses that often happen.
Also, make sure you're happy with your mortgage advisor, as they can be invaluable in searching for the best deals, and make all the difference to your final result.
What is your ideal vision for your home? Consider how your needs might change in the years to come – whether you’re planning a family, need an efficient office room or want extra outdoor space. Build your plan around what needs you want to fulfil the most.
Knowledge is power, and with the right help, you can make your dreams a reality. Our team is always ready to talk about your plans for the future, and your mortgage advisor is also a great source of guidance.
All our offers are designed to make buying a new home as straightforward as possible. For detailed terms and conditions, take a look at our full list of schemes available.
Blogs
30 April 2026
Discover how Charles Church Part Exchange can help you move into your dream new build home faster, with less stress, no chain and greater certainty today too.
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