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SELECT * FROM (SELECT * FROM wp_auto_internal_log WHERE INSTR(' <div data-elementor-type="wp-page" data-elementor-id="1830" class="elementor elementor-1830" data-elementor-post-type="page"> <section class="elementor-section elementor-top-section elementor-element elementor-element-df4ba91 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="df4ba91" data-element_type="section" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}"> <div class="elementor-background-overlay"></div> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-bd281cd" data-id="bd281cd" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-5818d59 elementor-widget elementor-widget-heading" data-id="5818d59" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h1 class="elementor-heading-title elementor-size-default">Key Workers Scheme</h1> </div> </div> <div class="elementor-element elementor-element-9989bf2 elementor-widget elementor-widget-text-editor" data-id="9989bf2" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>Everything you need to know about the Key Workers Scheme.</p> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-dddeee2" data-id="dddeee2" data-element_type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-da39d98 elementor-button-align-stretch elementor-widget elementor-widget-global elementor-global-190 elementor-widget-form" data-id="da39d98" data-element_type="widget" data-settings="{&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}" data-widget_type="form.default"> <div class="elementor-widget-container"> <form class="elementor-form" method="post" name="New Form"> <input type="hidden" name="post_id" value="1830"/> <input type="hidden" name="form_id" value="da39d98"/> <input type="hidden" name="referer_title" value="Key Workers Scheme - All you need to know - Albion Forest Mortgages" /> <input type="hidden" name="queried_id" value="1830"/> <div class="elementor-form-fields-wrapper elementor-labels-above"> <div class="elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-100 elementor-field-required elementor-mark-required"> <label for="form-field-name" class="elementor-field-label"> Name </label> <input size="1" type="text" name="form_fields[name]" id="form-field-name" class="elementor-field elementor-size-sm elementor-field-textual" required="required" aria-required="true"> </div> <div class="elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-100 elementor-field-required elementor-mark-required"> <label for="form-field-email" class="elementor-field-label"> Email </label> <input size="1" type="email" name="form_fields[email]" id="form-field-email" class="elementor-field elementor-size-sm elementor-field-textual" required="required" aria-required="true"> </div> <div class="elementor-field-type-text elementor-field-group elementor-column elementor-field-group-field_1 elementor-col-100 elementor-field-required elementor-mark-required"> <label for="form-field-field_1" class="elementor-field-label"> Phone </label> <input size="1" type="text" name="form_fields[field_1]" id="form-field-field_1" class="elementor-field elementor-size-sm elementor-field-textual" required="required" aria-required="true"> </div> <div class="elementor-field-type-textarea elementor-field-group elementor-column elementor-field-group-field_51fb3e8 elementor-col-100"> <label for="form-field-field_51fb3e8" class="elementor-field-label"> Message </label> <textarea class="elementor-field-textual elementor-field elementor-size-sm" name="form_fields[field_51fb3e8]" id="form-field-field_51fb3e8" rows="4"></textarea> </div> <div class="elementor-field-type-recaptcha_v3 elementor-field-group elementor-column elementor-field-group-field_dc01947 elementor-col-100 recaptcha_v3-bottomleft"> <div class="elementor-field" id="form-field-field_dc01947"><div class="elementor-g-recaptcha" data-sitekey="6Ld2DHUgAAAAAMVXotSao5BofcLHiMLSK74xykwz" data-type="v3" data-action="Form" data-badge="bottomleft" data-size="invisible"></div></div> </div> <div class="elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons"> <button type="submit" class="elementor-button elementor-size-sm"> <span > <span class=" elementor-button-icon"> </span> <span class="elementor-button-text">Let's Get Started</span> </span> </button> </div> </div> </form> </div> </div> <div class="elementor-element elementor-element-ab412c9 elementor-widget elementor-widget-global elementor-global-194 elementor-widget-heading" data-id="ab412c9" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <p class="elementor-heading-title elementor-size-default">You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us or one of our trusted partners to discuss your mortgage requirements</p> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-eb00227 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="eb00227" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ef95f03" data-id="ef95f03" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-7ae5c8b heading-wrap-space elementor-widget elementor-widget-text-editor" data-id="7ae5c8b" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400">What Is The First Homes Key Workers Scheme?</span></h2><p><span style="font-weight: 400">The Government First Homes Key Workers Scheme has been designed primarily for First Time Buyers. However during the first lockdown in 2020 the Prime Minister stated it will be for Key Workers such as <a href="https://albionforest.co.uk/key-worker-mortgage/mortgages-for-nurses/">Nurses</a> or Teachers as well.</span></p><p><span style="font-weight: 400">The Government First Homes Key Workers scheme will offer a minimum 30% discount on eligible New Build properties. The discount may be higher, and will vary slightly depending on location.</span></p><p><span style="font-weight: 400">The other thing you should know is this scheme is still a work in progress. The Scheme hasn&#8217;t had a release date announced yet.</span></p><h2><span style="font-weight: 400">What Is The Maximum Price Of A First Homes Property?</span></h2><p><span style="font-weight: 400">The maximum price will be £250,000 across England and £420,000 in London for First Homes properties after the discount has been applied. However depending on how much discount is being offered the full price of the property will vary.</span></p><h2><span style="font-weight: 400">What Is The Maximum Income For The First Homes Key Workers Scheme?</span></h2><p><span style="font-weight: 400">The maximum household income to be eligible for the scheme will be the same as the current Shared Ownership Scheme. Therefore it will be £80,000 (£90,000 in London)</span></p><p><span style="font-weight: 400">This is so that the people that most need the scheme will have access to it. As if you have a larger income you likely would be able to purchase without using the scheme.</span></p><h2><span style="font-weight: 400">Who Can Buy A Property Using The First Homes Key Workers Scheme?</span></h2><p><span style="font-weight: 400">The First Homes Key Worker Scheme is being set up with local people in mind. It will likely have a period at the beginning of 3 months where you need a local connection to use the scheme. More people will have the opportunity to purchase the property if it has not sold in this time. This is so that primarily local people will benefit over people wanting to move to the area.</span></p><p><span style="font-weight: 400">The government initially said this scheme would be open to First Time Buyers and Key Workers, they are yet to clarify this. The scheme currently seems to be geared towards the First Time Buyers.</span></p><h2><span style="font-weight: 400">Mortgages And The First Homes Key Worker Scheme</span></h2><p><span style="font-weight: 400">You will have to have a key worker mortgage to use the scheme. It sounds obvious, however cash buyers are out there. As we’ve mentioned a few times, the government really wants the people that need this scheme the most to benefit from it. You’ll be required to have at least a 50% mortgage on the discounted price. </span></p><h2><span style="font-weight: 400">Renting Out A First Homes Key Worker Scheme Property</span></h2><p><span style="font-weight: 400">You would expect not to be able to rent out these properties. However there are sometimes circumstances where you need to rent out your home. For example if you need to move temporarily for work and intend to return to your home. Basically this means when your intention is to rent out for a short period of time you can be allowed. However you have to ask permission from the Local Authority. You can rent the First Homes property out for two years at a time and notify the local planning authority.</span></p><p><span style="font-weight: 400">If you wanted to rent out your property for longer than the two years, you still may be able too. You would need to get express permission from the Local Planning Authority. They would also ask for it to be for a specific requirement, such as Redundancy, or Caring for a relative.</span></p><h2><span style="font-weight: 400">Armed Forces And The First Homes Key Worker Scheme</span></h2><p><span style="font-weight: 400">For the <a href="https://albionforest.co.uk/key-worker-mortgage/armed-forces-mortgages/">Armed Forces</a> the requirement to have local connections won’t apply. This is in recognition of their service. They will also waiver the local connections rule for veterans for five years after they leave the military. The government will also waive the local connections rules for Bereaved spouses and civil partners whose partners have died during their service.</span></p><h2><span style="font-weight: 400">First Homes Key Worker Scheme And Bad Credit</span></h2><p><span style="font-weight: 400">Unfortunately at the moment we do not know how Bad Credit history may affect the scheme. If it is similar to other schemes such as the Government Help To Buy Scheme or Shared Ownership the problem will come from lenders, and not the scheme itself.</span></p><p><span style="font-weight: 400">Lenders do not all usually opt into a scheme. Different lenders view Bad Credit differently, so depending on what type of bad credit you have, different lenders will be available. This therefore means that likely some forms of bad credit may make it difficult to get on the First Homes Key Worker Scheme.</span></p><p><span style="font-weight: 400">If you have Bad Credit your first step should be to check your credit report. For this we recommend <a href="https://www.checkmyfile.com/?ref=markrobinson13&amp;cbap=1" target="_blank" rel="noopener">CheckMyFile</a>. This is due to them showing you your credit history with the three main credit referencing agencies. Once you have your report you should speak to your Bank or a specialist Mortgage advisor to discuss your options. Your Bank may be able to help you, however a Specialist Mortgage Advisor will have access to far more products generally.</span></p><h2><span style="font-weight: 400">What happens when I sell my First Homes Key Worker property?</span></h2><p><span style="font-weight: 400">The <a href="https://www.gov.uk/government/consultations/first-homes" target="_blank" rel="noopener">First Homes</a> property will have a covenant. This therefore means that whatever discount you get when you buy the property, you will then pass on when you sell the property. Hopefully over the course of time your home will increase in value. Therefore if you buy a property worth £200,000, and get a 30% discount you will pay £140,000. If your property has then increased in value to £300,000 and you choose to sell, you will sell for £210,000. This is because the discount applies to the value of the property at the time.</span></p><h2><span style="font-weight: 400">What other schemes are available?</span></h2><p>You have a couple of different <a href="https://albionforest.co.uk/key-worker-mortgage/key-worker-mortgage-scheme/">Key Worker Schemes</a> available.</p><h3><span style="font-weight: 400">Government Help to Buy Scheme</span></h3><p><span style="font-weight: 400">The <a href="https://www.helptobuy.gov.uk/" target="_blank" rel="noopener">Government Help To Buy</a> Scheme is a 20% equity loan that allows you to put down a 5% deposit and get a 75% mortgage. This usually results in getting a better rate of interest as your mortgage is smaller compared to the value of the property.</span></p><h3><span style="font-weight: 400">Shared Ownership Scheme</span></h3><p><span style="font-weight: 400">The Shared Ownership Scheme allows you to part buy and part rent your home. This means you need a smaller deposit. This scheme is perfect if you have a smaller deposit or lower income.</span></p><h2><span style="font-weight: 400">Got a question we haven’t answered? Try our main <a href="https://albionforest.co.uk/key-worker-mortgage/">Key Worker Mortgage</a> page. Alternatively we have lots of other Key Worker pages that may help. Still no luck? Get in touch.</span></h2> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a554568" data-id="a554568" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-a156e3d elementor-widget elementor-widget-template" data-id="a156e3d" data-element_type="widget" data-widget_type="template.default"> <div class="elementor-widget-container"> <div class="elementor-template"> <div data-elementor-type="section" data-elementor-id="1009" class="elementor elementor-1009" data-elementor-post-type="elementor_library"> <section class="elementor-section elementor-top-section elementor-element elementor-element-21a4c71 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="21a4c71" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column 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</div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-25949a73 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="25949a73" data-element_type="section"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3bd0f76c" data-id="3bd0f76c" data-element_type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-5d75df0 elementor-widget elementor-widget-global elementor-global-8290 elementor-widget-html" data-id="5d75df0" data-element_type="widget" data-widget_type="html.default"> <div class="elementor-widget-container"> <center><blockquote class="zenplayer" data-episode-href="https://zencastr.com/embed/BZuDVgDb" style="background: black; border-radius: 12px; font-family: system-ui; width: 240px; height: 240px; position: relative; color: white; margin: 0;"> <img decoding="async" style="width: 120px; display: inline-block; position: absolute; top: calc(50%); left: calc(50%); transform: translate(-50%, -50%);" src="data:image/svg+xml;base64,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/> <a href="https://zencastr.com/embed/BZuDVgDb" target="_blank" style="color: white; position: absolute; bottom: 12px; left: 50%; transform: translateX(-50%); text-decoration: none;" rel="noopener"> View on Zencastr </a></blockquote><script type="text/javascript" src="https://zencastr.com/static/js/embed-player.js"></script></center> </div> </div> <div class="elementor-element elementor-element-689e57f elementor-widget elementor-widget-image" data-id="689e57f" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="601" height="1024" src="https://albionforest.co.uk/wp-content/uploads/2020/05/Best-Nationwide-1.png" class="attachment-large size-large wp-image-7070" alt="" srcset="https://albionforest.co.uk/wp-content/uploads/2020/05/Best-Nationwide-1.png 601w, https://albionforest.co.uk/wp-content/uploads/2020/05/Best-Nationwide-1-176x300.png 176w" sizes="(max-width: 601px) 100vw, 601px" /> </div> </div> <div class="elementor-element elementor-element-af7a2e4 elementor-widget elementor-widget-heading" data-id="af7a2e4" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">Useful Links for Key Workers</h3> </div> </div> <div class="elementor-element elementor-element-7c878483 footer-icon elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list" data-id="7c878483" data-element_type="widget" data-widget_type="icon-list.default"> <div class="elementor-widget-container"> <ul class="elementor-icon-list-items"> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/key-worker-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Main Key Worker Page</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/key-worker-mortgage/mortgages-for-nurses/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Mortgages for Nurses</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Teacher Mortgages</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/key-worker-mortgage/armed-forces-mortgages/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Armed Forces Mortgages</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/key-worker-mortgage/mortgages-for-dentists/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Mortgages for Dentists</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/key-worker-mortgage/key-worker-mortgage-scheme/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Key Worker Mortgage Scheme</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/key-worker-mortgage/newly-qualified-nurse-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Newly Qualified Nurse Mortgages</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/key-worker-mortgage/key-worker-mortgage-scheme-for-nurses/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Mortgage Scheme for Nurses</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://advisersassemble.co.uk/albionforest/key-worker-mortgage/student-nurse-mortgage/" target="_blank" rel="noopener"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Student Nurse Mortgages</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/key-worker-mortgage/key-worker-shared-ownership/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Key Worker Shared Ownership</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/key-worker-mortgage/key-worker-mortgage-scheme-2022/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Key Worker Mortgage Scheme 2022</span> </a> </li> </ul> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-10c9cd93 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="10c9cd93" data-element_type="section"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-18ae83f1" data-id="18ae83f1" data-element_type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-3169ae67 elementor-widget elementor-widget-heading" data-id="3169ae67" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">Why Albion Forest?</h3> </div> </div> <div class="elementor-element elementor-element-32b4a32a elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list" data-id="32b4a32a" data-element_type="widget" data-widget_type="icon-list.default"> <div class="elementor-widget-container"> <ul class="elementor-icon-list-items"> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="fas fa-shield-alt"></i> </span> <span class="elementor-icon-list-text">Raising The standards of financial advice</span> </li> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="fas fa-network-wired"></i> </span> <span class="elementor-icon-list-text">Making financial advice accessible to all</span> </li> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="far fa-handshake"></i> </span> <span class="elementor-icon-list-text">Trusted &amp; stress-free financial advice</span> </li> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="fas fa-hand-holding-heart"></i> </span> <span class="elementor-icon-list-text">Friendly, personable advisors</span> </li> </ul> </div> </div> </div> </div> </div> </section> </div> </div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-04b6580 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="04b6580" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1039cbd" data-id="1039cbd" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-3f2a565 elementor-widget elementor-widget-image" data-id="3f2a565" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="450" src="https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-artem-podrez-5726794-scaled-1-1024x576.jpg" class="attachment-large size-large wp-image-1832" alt="Key Workers Scheme" srcset="https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-artem-podrez-5726794-scaled-1-1024x576.jpg 1024w, https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-artem-podrez-5726794-scaled-1-300x169.jpg 300w, https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-artem-podrez-5726794-scaled-1-768x432.jpg 768w, https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-artem-podrez-5726794-scaled-1-1536x864.jpg 1536w, https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-artem-podrez-5726794-scaled-1-2048x1152.jpg 2048w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> </div> </div> </div> </section> </div> ', keyword) > 0 UNION ALL SELECT * FROM wp_auto_internal_links WHERE INSTR(' <div data-elementor-type="wp-page" data-elementor-id="1830" class="elementor elementor-1830" data-elementor-post-type="page"> <section class="elementor-section elementor-top-section elementor-element elementor-element-df4ba91 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="df4ba91" data-element_type="section" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}"> <div class="elementor-background-overlay"></div> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-bd281cd" data-id="bd281cd" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-5818d59 elementor-widget elementor-widget-heading" data-id="5818d59" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h1 class="elementor-heading-title elementor-size-default">Key Workers Scheme</h1> </div> </div> <div class="elementor-element elementor-element-9989bf2 elementor-widget elementor-widget-text-editor" data-id="9989bf2" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>Everything you need to know about the Key Workers Scheme.</p> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-dddeee2" data-id="dddeee2" data-element_type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-da39d98 elementor-button-align-stretch elementor-widget elementor-widget-global elementor-global-190 elementor-widget-form" data-id="da39d98" data-element_type="widget" data-settings="{&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}" data-widget_type="form.default"> <div class="elementor-widget-container"> <form class="elementor-form" method="post" name="New Form"> <input type="hidden" name="post_id" value="1830"/> <input type="hidden" name="form_id" value="da39d98"/> <input type="hidden" name="referer_title" value="Key Workers Scheme - All you need to know - Albion Forest Mortgages" /> <input type="hidden" name="queried_id" value="1830"/> <div class="elementor-form-fields-wrapper elementor-labels-above"> <div class="elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-100 elementor-field-required elementor-mark-required"> <label for="form-field-name" class="elementor-field-label"> Name </label> <input size="1" type="text" name="form_fields[name]" id="form-field-name" class="elementor-field elementor-size-sm elementor-field-textual" required="required" aria-required="true"> </div> <div class="elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-100 elementor-field-required elementor-mark-required"> <label for="form-field-email" class="elementor-field-label"> Email </label> <input size="1" type="email" name="form_fields[email]" id="form-field-email" class="elementor-field elementor-size-sm elementor-field-textual" required="required" aria-required="true"> </div> <div class="elementor-field-type-text elementor-field-group elementor-column elementor-field-group-field_1 elementor-col-100 elementor-field-required elementor-mark-required"> <label for="form-field-field_1" class="elementor-field-label"> Phone </label> <input size="1" type="text" name="form_fields[field_1]" id="form-field-field_1" class="elementor-field elementor-size-sm elementor-field-textual" required="required" aria-required="true"> </div> <div class="elementor-field-type-textarea elementor-field-group elementor-column elementor-field-group-field_51fb3e8 elementor-col-100"> <label for="form-field-field_51fb3e8" class="elementor-field-label"> Message </label> <textarea class="elementor-field-textual elementor-field elementor-size-sm" name="form_fields[field_51fb3e8]" id="form-field-field_51fb3e8" rows="4"></textarea> </div> <div class="elementor-field-type-recaptcha_v3 elementor-field-group elementor-column elementor-field-group-field_dc01947 elementor-col-100 recaptcha_v3-bottomleft"> <div class="elementor-field" id="form-field-field_dc01947"><div class="elementor-g-recaptcha" data-sitekey="6Ld2DHUgAAAAAMVXotSao5BofcLHiMLSK74xykwz" data-type="v3" data-action="Form" data-badge="bottomleft" data-size="invisible"></div></div> </div> <div class="elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons"> <button type="submit" class="elementor-button elementor-size-sm"> <span > <span class=" elementor-button-icon"> </span> <span class="elementor-button-text">Let's Get Started</span> </span> </button> </div> </div> </form> </div> </div> <div class="elementor-element elementor-element-ab412c9 elementor-widget elementor-widget-global elementor-global-194 elementor-widget-heading" data-id="ab412c9" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <p class="elementor-heading-title elementor-size-default">You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us or one of our trusted partners to discuss your mortgage requirements</p> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-eb00227 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="eb00227" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ef95f03" data-id="ef95f03" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-7ae5c8b heading-wrap-space elementor-widget elementor-widget-text-editor" data-id="7ae5c8b" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400">What Is The First Homes Key Workers Scheme?</span></h2><p><span style="font-weight: 400">The Government First Homes Key Workers Scheme has been designed primarily for First Time Buyers. However during the first lockdown in 2020 the Prime Minister stated it will be for Key Workers such as <a href="https://albionforest.co.uk/key-worker-mortgage/mortgages-for-nurses/">Nurses</a> or Teachers as well.</span></p><p><span style="font-weight: 400">The Government First Homes Key Workers scheme will offer a minimum 30% discount on eligible New Build properties. The discount may be higher, and will vary slightly depending on location.</span></p><p><span style="font-weight: 400">The other thing you should know is this scheme is still a work in progress. The Scheme hasn&#8217;t had a release date announced yet.</span></p><h2><span style="font-weight: 400">What Is The Maximum Price Of A First Homes Property?</span></h2><p><span style="font-weight: 400">The maximum price will be £250,000 across England and £420,000 in London for First Homes properties after the discount has been applied. However depending on how much discount is being offered the full price of the property will vary.</span></p><h2><span style="font-weight: 400">What Is The Maximum Income For The First Homes Key Workers Scheme?</span></h2><p><span style="font-weight: 400">The maximum household income to be eligible for the scheme will be the same as the current Shared Ownership Scheme. Therefore it will be £80,000 (£90,000 in London)</span></p><p><span style="font-weight: 400">This is so that the people that most need the scheme will have access to it. As if you have a larger income you likely would be able to purchase without using the scheme.</span></p><h2><span style="font-weight: 400">Who Can Buy A Property Using The First Homes Key Workers Scheme?</span></h2><p><span style="font-weight: 400">The First Homes Key Worker Scheme is being set up with local people in mind. It will likely have a period at the beginning of 3 months where you need a local connection to use the scheme. More people will have the opportunity to purchase the property if it has not sold in this time. This is so that primarily local people will benefit over people wanting to move to the area.</span></p><p><span style="font-weight: 400">The government initially said this scheme would be open to First Time Buyers and Key Workers, they are yet to clarify this. The scheme currently seems to be geared towards the First Time Buyers.</span></p><h2><span style="font-weight: 400">Mortgages And The First Homes Key Worker Scheme</span></h2><p><span style="font-weight: 400">You will have to have a key worker mortgage to use the scheme. It sounds obvious, however cash buyers are out there. As we’ve mentioned a few times, the government really wants the people that need this scheme the most to benefit from it. You’ll be required to have at least a 50% mortgage on the discounted price. </span></p><h2><span style="font-weight: 400">Renting Out A First Homes Key Worker Scheme Property</span></h2><p><span style="font-weight: 400">You would expect not to be able to rent out these properties. However there are sometimes circumstances where you need to rent out your home. For example if you need to move temporarily for work and intend to return to your home. Basically this means when your intention is to rent out for a short period of time you can be allowed. However you have to ask permission from the Local Authority. You can rent the First Homes property out for two years at a time and notify the local planning authority.</span></p><p><span style="font-weight: 400">If you wanted to rent out your property for longer than the two years, you still may be able too. You would need to get express permission from the Local Planning Authority. They would also ask for it to be for a specific requirement, such as Redundancy, or Caring for a relative.</span></p><h2><span style="font-weight: 400">Armed Forces And The First Homes Key Worker Scheme</span></h2><p><span style="font-weight: 400">For the <a href="https://albionforest.co.uk/key-worker-mortgage/armed-forces-mortgages/">Armed Forces</a> the requirement to have local connections won’t apply. This is in recognition of their service. They will also waiver the local connections rule for veterans for five years after they leave the military. The government will also waive the local connections rules for Bereaved spouses and civil partners whose partners have died during their service.</span></p><h2><span style="font-weight: 400">First Homes Key Worker Scheme And Bad Credit</span></h2><p><span style="font-weight: 400">Unfortunately at the moment we do not know how Bad Credit history may affect the scheme. If it is similar to other schemes such as the Government Help To Buy Scheme or Shared Ownership the problem will come from lenders, and not the scheme itself.</span></p><p><span style="font-weight: 400">Lenders do not all usually opt into a scheme. Different lenders view Bad Credit differently, so depending on what type of bad credit you have, different lenders will be available. This therefore means that likely some forms of bad credit may make it difficult to get on the First Homes Key Worker Scheme.</span></p><p><span style="font-weight: 400">If you have Bad Credit your first step should be to check your credit report. For this we recommend <a href="https://www.checkmyfile.com/?ref=markrobinson13&amp;cbap=1" target="_blank" rel="noopener">CheckMyFile</a>. This is due to them showing you your credit history with the three main credit referencing agencies. Once you have your report you should speak to your Bank or a specialist Mortgage advisor to discuss your options. Your Bank may be able to help you, however a Specialist Mortgage Advisor will have access to far more products generally.</span></p><h2><span style="font-weight: 400">What happens when I sell my First Homes Key Worker property?</span></h2><p><span style="font-weight: 400">The <a href="https://www.gov.uk/government/consultations/first-homes" target="_blank" rel="noopener">First Homes</a> property will have a covenant. This therefore means that whatever discount you get when you buy the property, you will then pass on when you sell the property. Hopefully over the course of time your home will increase in value. Therefore if you buy a property worth £200,000, and get a 30% discount you will pay £140,000. If your property has then increased in value to £300,000 and you choose to sell, you will sell for £210,000. This is because the discount applies to the value of the property at the time.</span></p><h2><span style="font-weight: 400">What other schemes are available?</span></h2><p>You have a couple of different <a href="https://albionforest.co.uk/key-worker-mortgage/key-worker-mortgage-scheme/">Key Worker Schemes</a> available.</p><h3><span style="font-weight: 400">Government Help to Buy Scheme</span></h3><p><span style="font-weight: 400">The <a href="https://www.helptobuy.gov.uk/" target="_blank" rel="noopener">Government Help To Buy</a> Scheme is a 20% equity loan that allows you to put down a 5% deposit and get a 75% mortgage. This usually results in getting a better rate of interest as your mortgage is smaller compared to the value of the property.</span></p><h3><span style="font-weight: 400">Shared Ownership Scheme</span></h3><p><span style="font-weight: 400">The Shared Ownership Scheme allows you to part buy and part rent your home. This means you need a smaller deposit. This scheme is perfect if you have a smaller deposit or lower income.</span></p><h2><span style="font-weight: 400">Got a question we haven’t answered? Try our main <a href="https://albionforest.co.uk/key-worker-mortgage/">Key Worker Mortgage</a> page. Alternatively we have lots of other Key Worker pages that may help. Still no luck? Get in touch.</span></h2> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a554568" data-id="a554568" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-a156e3d elementor-widget elementor-widget-template" data-id="a156e3d" data-element_type="widget" data-widget_type="template.default"> <div class="elementor-widget-container"> <div class="elementor-template"> <div data-elementor-type="section" data-elementor-id="1009" class="elementor elementor-1009" data-elementor-post-type="elementor_library"> <section class="elementor-section elementor-top-section elementor-element elementor-element-21a4c71 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="21a4c71" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column 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</div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-25949a73 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="25949a73" data-element_type="section"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3bd0f76c" data-id="3bd0f76c" data-element_type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-5d75df0 elementor-widget elementor-widget-global elementor-global-8290 elementor-widget-html" data-id="5d75df0" data-element_type="widget" data-widget_type="html.default"> <div class="elementor-widget-container"> <center><blockquote class="zenplayer" data-episode-href="https://zencastr.com/embed/BZuDVgDb" style="background: black; border-radius: 12px; font-family: system-ui; width: 240px; height: 240px; position: relative; color: white; margin: 0;"> <img decoding="async" style="width: 120px; display: inline-block; position: absolute; top: calc(50%); left: calc(50%); transform: translate(-50%, -50%);" src="data:image/svg+xml;base64,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/> <a href="https://zencastr.com/embed/BZuDVgDb" target="_blank" style="color: white; position: absolute; bottom: 12px; left: 50%; transform: translateX(-50%); text-decoration: none;" rel="noopener"> View on Zencastr </a></blockquote><script type="text/javascript" src="https://zencastr.com/static/js/embed-player.js"></script></center> </div> </div> <div class="elementor-element elementor-element-689e57f elementor-widget elementor-widget-image" data-id="689e57f" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="601" height="1024" src="https://albionforest.co.uk/wp-content/uploads/2020/05/Best-Nationwide-1.png" class="attachment-large size-large wp-image-7070" alt="" srcset="https://albionforest.co.uk/wp-content/uploads/2020/05/Best-Nationwide-1.png 601w, https://albionforest.co.uk/wp-content/uploads/2020/05/Best-Nationwide-1-176x300.png 176w" sizes="(max-width: 601px) 100vw, 601px" /> </div> </div> <div class="elementor-element elementor-element-af7a2e4 elementor-widget elementor-widget-heading" data-id="af7a2e4" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">Useful Links for Key Workers</h3> </div> </div> <div class="elementor-element elementor-element-7c878483 footer-icon elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list" data-id="7c878483" data-element_type="widget" data-widget_type="icon-list.default"> <div class="elementor-widget-container"> <ul class="elementor-icon-list-items"> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/key-worker-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Main Key Worker Page</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/key-worker-mortgage/mortgages-for-nurses/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Mortgages for Nurses</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Teacher Mortgages</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/key-worker-mortgage/armed-forces-mortgages/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Armed Forces Mortgages</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/key-worker-mortgage/mortgages-for-dentists/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Mortgages for Dentists</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/key-worker-mortgage/key-worker-mortgage-scheme/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Key Worker Mortgage Scheme</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/key-worker-mortgage/newly-qualified-nurse-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Newly Qualified Nurse Mortgages</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/key-worker-mortgage/key-worker-mortgage-scheme-for-nurses/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Mortgage Scheme for Nurses</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://advisersassemble.co.uk/albionforest/key-worker-mortgage/student-nurse-mortgage/" target="_blank" rel="noopener"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Student Nurse Mortgages</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/key-worker-mortgage/key-worker-shared-ownership/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Key Worker Shared Ownership</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/key-worker-mortgage/key-worker-mortgage-scheme-2022/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Key Worker Mortgage Scheme 2022</span> </a> </li> </ul> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-10c9cd93 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="10c9cd93" data-element_type="section"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-18ae83f1" data-id="18ae83f1" data-element_type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-3169ae67 elementor-widget elementor-widget-heading" data-id="3169ae67" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">Why Albion Forest?</h3> </div> </div> <div class="elementor-element elementor-element-32b4a32a elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list" data-id="32b4a32a" data-element_type="widget" data-widget_type="icon-list.default"> <div class="elementor-widget-container"> <ul class="elementor-icon-list-items"> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="fas fa-shield-alt"></i> </span> <span class="elementor-icon-list-text">Raising The standards of financial advice</span> </li> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="fas fa-network-wired"></i> </span> <span class="elementor-icon-list-text">Making financial advice accessible to all</span> </li> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="far fa-handshake"></i> </span> <span class="elementor-icon-list-text">Trusted &amp; stress-free financial advice</span> </li> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="fas fa-hand-holding-heart"></i> </span> <span class="elementor-icon-list-text">Friendly, personable advisors</span> </li> </ul> </div> </div> </div> </div> </div> </section> </div> </div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-04b6580 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="04b6580" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1039cbd" data-id="1039cbd" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-3f2a565 elementor-widget elementor-widget-image" data-id="3f2a565" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="450" src="https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-artem-podrez-5726794-scaled-1-1024x576.jpg" class="attachment-large size-large wp-image-1832" alt="Key Workers Scheme" srcset="https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-artem-podrez-5726794-scaled-1-1024x576.jpg 1024w, https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-artem-podrez-5726794-scaled-1-300x169.jpg 300w, https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-artem-podrez-5726794-scaled-1-768x432.jpg 768w, https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-artem-podrez-5726794-scaled-1-1536x864.jpg 1536w, https://albionforest.co.uk/wp-content/uploads/2020/11/pexels-artem-podrez-5726794-scaled-1-2048x1152.jpg 2048w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> </div> </div> </div> </section> </div> ', keyword) > 0) AS combined_tables ORDER BY priority ASC, created_at ASC