Buying Your First Home Faster: The Discount to Market Scheme with Seddon Homes Explained

Posted on June 26th, 2026

Let’s be honest: the dream of homeownership can feel further away than ever for many first-time buyers. Between rising rents and the challenge of saving for your deposit, it’s easy to feel stuck renting for longer than planned. 

At Seddon Homes, we believe buying a high-quality new-build home should feel achievable. That’s why we offer Discount to Market homes. It’s a way to bypass the struggle, lower the barriers to entry, and get you into a brand-new home years sooner than you thought possible. 

Whether you’re currently renting or saving for your first home deposit, this scheme could provide a more affordable route into owning your own home outright. 

What Is the Discount to Market Scheme?

A Discount to Market Scheme home (sometimes referred to as a Discount Market Sale home or Discount to Market Value (DTM) home) is designed to help bridge the gap between renting and full-price homeownership.

Unlike Shared Ownership, you own the property outright rather than purchasing a share and paying rent on the rest. The “discount” is a percentage reduction. 

For example: 

The discount remains attached to the property when it is sold in the future, helping keep homes affordable for local buyers. 

How Does the Discount to Market Scheme Work?

Buying a Discount to Market Scheme home is similar to buying a standard property, but with a few additional eligibility checks. 

In all cases, buyers will need to: 

• Meet local authority eligibility criteria 
• Demonstrate the property is affordable for their income 
• Use the home as their main residence 

This scheme is aimed at first-time buyers or those with a local connection to the area. 

Why Discount to Market Scheme Homes Are Helping Buyers Get Onto the Property Ladder Faster

The biggest benefit of the Discount to Market Scheme isn’t just the lower purchase price – it’s how it can make buying your first home feel much more achievable. 

Smaller Deposits

A lower purchase price means a smaller deposit requirement, helping many buyers move sooner than expected. Use our mortgage calculator to understand what your monthly repayments could look like.

Lower Monthly Mortgage Repayments

Because you’re borrowing less overall, monthly repayments are often more manageable compared to purchasing at full market value. 

Own 100% of Your Home

Unlike Shared Ownership schemes, Discount to Market Scheme homes allow you to own the property outright from day one. 

A Brand-New Energy Efficient Home

You still receive all the benefits of a brand-new Seddon Homes home, including modern layouts, quality finishes and improved energy efficiency standards. 

Discount to Market Scheme vs Shared Ownership

The Discount to Market Scheme is often compared to Shared Ownership, but there are some key differences.

Can You Get a Mortgage on a Discount to Market Scheme Home?

Yes – many lenders offer mortgages for Discount to Market Scheme properties, with borrowing based on the discounted purchase price rather than the full market value. 

Our Sales Advisors can also help point buyers towards mortgage advisors familiar with affordable home ownership schemes. 

Why Choose Award-Winning Seddon Homes?

When you buy a home under the Discount to Market Scheme with Seddon Homes, you’re investing in a property built with over 129 years of heritage and expertise. 

As a family-owned housebuilder, we take pride in delivering high-quality homes designed for modern living. Every Seddon Homes home is built with the same attention to detail, whether it’s a private sale property or part of an affordable housing scheme. 

You’ll also benefit from: 

• Energy-efficient features 
• Contemporary kitchens and bathrooms 
• NHBC warranties 

Frequently Asked Questions

Explore Discount to Market Scheme Homes with Award-Winning Seddon Homes

The Brambles is a charming new build development situated in Glossop, Derbyshire. Step into a sought-after neighbourhood of beautiful and modern homes. These new build houses in Derbyshire are perfect for families, professionals and downsizers alike. Designed for comfort and style, your new home will be built to Seddon Homes’ exceptional standards, featuring a wealth of modern fixtures and thoughtful finishing touches. 

These Glossop new builds provide the perfect balance of suburban living and easy access to the countryside. The Brambles is more than a development; it’s a place to call home. 

The Brambles places you and your family just west of the Peak District National Park, on the outskirts of Dinting, a former small village, now considered part of the broader Glossop area. Situated just a mile from the charming market town centre of Glossop, the area is warm and 

welcoming, boasting a rich heritage in 19th-century cotton and printworks. Beautifully preserved converted mills and buildings add a unique touch of character to the surrounding area. 

Step outside your door, and you’ll discover outstanding areas of natural beauty, whether you want a relaxing stroll or a more adventurous hike in the High Peaks. But you’re never far from city life with easy access to Manchester and Sheffield. Enjoy an easy commute, explore the surrounding countryside or unwind in the delightful town centre. It’s not just a location, it’s a lifestyle, and it’s all within reach. 

The path to homeownership doesn’t always have to be a long-term goal. With the Discount Market Sale scheme, eligible buyers can access high-quality new-build homes at a more affordable price, helping make owning your first home feel much more achievable. 

Terms and conditions apply. Eligibility is subject to local authority approval. Available on selected developments and plots only.

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