HELPING YOU MAKE YOUR MOVE

Ways to Buy

Moving home should be an exciting step, not a stressful one. Whether you are stepping onto the ladder for the first time, looking for more space, or making a fresh start, our buying schemes and financial support options are designed to lower your costs, remove uncertainty, and help you secure your new Harron home with confidence.

An affordable way to move

Finding your next home is exciting, but managing deposits, mortgage rates, and property chains can feel like a challenge.

Our buying schemes, including Part Exchange, Assisted Move, and Own New, are designed to remove those hurdles and lower your upfront costs.

Our sales team and specialist mortgage partners are here to guide you every step of the way.

Find your fit

Which scheme is best for you?

Select your current moving situation below to find the buying schemes and financial options tailored to you.

"I have a house to sell and want to avoid chains"

Best Scheme: Part Exchange
Summary: We buy your current home directly for a fair market price. There is no chain, no viewings, zero estate agent fees to pay, and you can stay in your current home until your new build is ready. You could complete your move in as little as 6 weeks.
Next Step: Try our online valuation calculator or visit our Part Exchange page to learn more about our process.

"I want to sell my house without estate agent fees"

Best Scheme: Assisted Move
Summary: We instruct trusted local estate agents to market and sell your property for its full market value. We manage the process and cover 100% of your estate agent fees when your sale completes.
Next Step: Ask our sales team about Assisted Move on your chosen development. Find out how much your home is worth using our valuation calculator.

"I am a first-time buyer looking for a substantial discount"

Best Scheme: First Homes Scheme
Summary: Purchase a brand-new home with at least a 30% discount against market value while still owning 100% of the property, with no rent to pay. Available to eligible first-time buyers with a combined household income under £80,000.
Next Step: Check First Homes plot availability with our sales team or learn more about this Government scheme.

"I want lower monthly mortgage repayments"

Best Scheme: Own New: Rate Reducer
Summary: Harron Homes contributes directly towards your mortgage setup, giving you access to reduced interest rates and lower monthly repayments during your initial fixed rate period.
Next Step: Learn more about this scheme and speak to our sales executive at your chosen development, who will put you in touch with our approved independent mortgage broker partners.

"I have strong income but no traditional cash deposit saved"

Best Scheme: Own New: No Deposit
Summary: If you can comfortably afford monthly repayments but have struggled to save a cash lump sum while renting, this scheme allows eligible buyers to secure a 100% mortgage.
Next Step: Learn more about this scheme and speak to our sales executive at your chosen development, who will put you in touch with our approved independent mortgage broker partners.

"I work in the NHS, education, emergency services or essential public sector"

Best Scheme: Key Worker Scheme
Summary: Receive £750 off your purchase price for every £25,000 you spend on selected plots (for example, £12,000 towards a £400,000 home).
Next Step: Learn more about this scheme and confirm your occupation with our on-site sales executives.

"I don't fit any of the above situations. What can you do for me?"

Best Option: Bespoke Tailored Incentives & Mortgage Calculator
Summary: You do not need to qualify for a specific buying scheme to get substantial financial support on your move. Across all our developments, we offer brilliant tailored incentive packages on selected plots, including direct deposit contributions, stamp duty contributions, cashback towards moving costs, or upgraded kitchen and flooring packages.
Next Step: Use our quick Mortgage & Budget Calculator on any development page to see what you could borrow and estimate your monthly repayments in under 60 seconds, or speak directly to our on-site sales team to ask about the bespoke incentives currently available on your favourite plot.

Buying schemes

Tailored support for your next move

Whether you have an existing property to sell or work in an essential profession, our schemes are designed to save you time and money.

NO CHAINS OR FEES

Part Exchange

We buy your current property directly for a fair market price, giving you a guaranteed cash buyer with zero estate agent fees and no property chain.

WE PAY YOUR AGENT FEES

Assisted Move

We instruct trusted local estate agents to value and market your current home on the open market, and we cover 100% of your estate agent fees on completion.

UP TO £15,000 CONTRIBUTION

Key Worker Scheme

Receive £750 towards your move for every £25,000 you spend on the purchase price of a selected Harron home. Open to NHS, education, emergency services, utilities and more.

LOWER MONTHLY PAYMENTS

Own New: Rate Reducer

Access reduced mortgage interest rates and lower monthly repayments during your initial fixed period, supported by a contribution from us on selected plots.

ZERO DEPOSIT REQUIRED

Own New: No Deposit

Purchase a brand-new home with a 100% mortgage. Perfect if you can comfortably afford monthly payments but have not saved a traditional cash deposit.

AT LEAST 30% OFF MARKET VALUE

First Homes Scheme

Eligible first-time buyers can purchase a selected new Harron home for at least 30% below market value while still owning 100% of the property.

Mortgage affordability calculator

How much could you borrow?

Our free online mortgage calculator helps you work out your buying budget in just a few simple steps. Calculate your potential borrowing power, estimate your monthly repayments, and see which Harron homes fit your plans, giving you a clearer picture of what your next move could look like.

FAQ

Your questions answered

Everything you need to know about our buying schemes, eligibility criteria, and how to get started.

What is the main difference between Part Exchange and Assisted Move?

With Part Exchange, Harron Homes acts as your guaranteed cash buyer and purchases your existing property directly from you, meaning no property chain, no viewings, and you could move in as little as 6 weeks. With Assisted Move, we instruct trusted local estate agents to market your property on the open market, manage the process for you, and pay 100% of your estate agent fees when your sale completes.

Can I stay in my current home until my new Harron home is ready?

Yes. One of the biggest advantages of Part Exchange is that you remain in your existing property right up until your new Harron home is completed and ready for you to move into.

Who qualifies for the Key Worker Scheme and how much is the discount?

You will receive £750 towards your move for every £25,000 you spend on the purchase price of a selected Harron home (for example, £12,000 on a £400,000 home). Eligible sectors include the NHS, Education & Childcare, Emergency Services, Ministry of Defence, Utilities, Justice Services, Construction, and Transport & Logistics.

Who is eligible for the Government First Homes Scheme?

You must be a first-time buyer aged 18 or over with a combined household income of no more than £80,000 per year before tax, and be able to obtain a mortgage for at least 50% of the discounted price. You purchase 100% of the home at a minimum 30% discount against market value (up to a £250,000 discounted price cap), with no rent to pay on the remaining share. Local authority connection criteria may also apply.

How do Own New Rate Reducer and Own New No Deposit work?

Both schemes are open to eligible first-time buyers and existing homeowners on selected plots. Rate Reducer uses a financial contribution from Harron Homes to lower your mortgage interest rate and monthly repayments during your initial fixed period. No Deposit allows buyers who can comfortably afford monthly repayments to secure a 100% mortgage without needing a traditional cash deposit. Both require assessment through an approved independent mortgage broker.

Are all buying schemes available on every Harron home?

Schemes are plot-specific and cannot usually be combined with one another. Speak to the Sales Executive at your chosen development to confirm which schemes are available on your preferred plot.

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