First Homes Cardiff

First Homes Cardiff is a Shared Equity Home Ownership Scheme offered by Cardiff Council. If you are looking to buy your first home, we can help make it easier for you.

A Shared Equity scheme is where you buy a percentage share of a property, but you will be the legal property owner on completion of the sale. This percentage is typically 70%. The remaining equity share (30%) is a charge against the property, which you can buy later. You won’t pay rent on the 30% and you do not have to repay it back to the council while you own the property.

We have modern properties available across Cardiff, ranging from one-bedroom apartments to three-bedroom houses. Most of the properties are on new build sites with private housebuilders or with the Council itself.

You can also buy previously owned properties. We resell homes that have been bought through our scheme if the owner decides to sell it on.

If you are interested in purchasing a property through this scheme, you will first need to be registered.

Before you register, please check if you are eligible. You must:

  • be over the age of 18,
  • be a current passport holder or have ‘indefinite leave to remain’ stamped on your passport. If you do not have ‘indefinite leave to remain’ you must be able to prove that you can secure a mortgage from a reputable lender.
  • be a first-time buyer, or a first-time buyer ‘in your own right’. You are a first-time buyer ‘in your own right’ if you have jointly owned a property that you no longer own,
  • be living or working in Cardiff for the last 6 months, or be a key worker moving to Cardiff for a job,
  • be able to meet the long-term financial commitment of home ownership.

You are also eligible if you:

  • are leaving the Armed Forces and have lived in Cardiff for at least 6 months immediately before joining,
  • are moving back to Cardiff for personal or professional reasons and have an established local connection,
  • have financial or individual circumstances that do not allow you to buy a similar property in the area on the open market.

For more information about our eligibility criteria, you can read our Nomination policy.

If you are eligible, you can register for the First Homes Cardiff scheme online.

If you are unsure whether you qualify though, you can also contact the team.

Once registered, you can search for homes for sale.

Properties for sale

Things to consider when buying a First Homes Cardiff property