Building your first home… An enriching experience that, between enthusiasm and fear, takes us on a huge emotional roller coaster. In 2025, first-time buyers must navigate a changing environment (credit conditions, land prices, RE2020 requirements) and real opportunities: targeted aid, more efficient technical solutions. Alone or as a couple, with or without children, discover step by step in this practical guide how to calmly consider building your first home.
First-Time Buyers 2025: Who are they?
Young couples or families looking to settle down permanently, thirty-somethings seeking stability after a few years of renting, or even long-term investors—first-time buyers are not unique. This category is generally considered to be any individual or household purchasing their primary residence for the first time. But the rules and incentives applicable to first-time buyers also include those who haven't owned a home for at least two years. They will therefore represent a very significant proportion of new home buyers in 2025.
What are the challenges for first-time buyers?
Building a home isn't easy, and it's even harder when it's your first time. First-time buyers face specific constraints.
The challenge of financing your first home
For first-time buyers, the main challenge concerns the building budget. While first-time buyers often lackapport, access to mortgages may seem complex.
Lack of experience
The more experience you have, the easier it is to know what you need. A first-time buyer can sometimes have difficulty imagining their future home. To make the right choices, good support is essential. Location of the land, surface area, number of rooms, architectural style, etc., it is not always easy to anticipate your needs and future development. The choice of individual house builder, his experience and his advice are therefore much more important for the construction of a first house.
What advantages do first-time buyers have when building?
Contrary to popular belief, being a first-time buyer does not only have disadvantages.
The contribution does not necessarily determine the loan
If there is one undeniable advantage, theapport is not legally not mandatory for get a mortgageWhat matters first and foremost is the solidity of the file: healthy accounts and a project consistent with its income.
The bank also looks at the location of the property and the resale value long-term.
Special aid for first-time buyers
In order to help citizens access property, numerous aids have been put in place.
The PTZ 2026
Since 2025, zero rate loan also concerns the construction of new houseThis advantageous loan thus allows you to reduce the principal loan and secure your file. If its amount depends on the household income and the geographical area of the future house, its share can reach 30% of the operation for a new house.
To go further, read the article “ Finally, a zero-interest loan for a new home! ».
Preferential conditions
Banks often offer preferential conditions (attractive rates, reduced fees) to first-time buyers building their first house.
Local subsidies for first-time buyers
Some communities offer local subsidies to assisted loans specific to support first-time buyers.
PAS: Social Access Loan
Ce loan accessible to low incomes which finances up to 100% of the project and can be combined with the PTZ, is aimed at the most modest households.
Anticipate with an evolving house
Building your first home means having a house that is perfectly suited to your needs and budget from the start. By working hand in hand with a builder as House Sic, we can consider a home capable of evolving according to the budget and needs. Additional bedrooms, extension, garage, everything can be anticipated.
The new house offers many guarantees
Building a new house limits the unpleasant surprises that can occur with an old one. Choosing a single-family home builder provides first-time buyers with valuable guarantees: ten-year guarantee, guaranteed delivery at agreed price and time, perfect completion... So many protections that secure a first real estate project.
Controlled invoices
The other advantage of new houses for a first-time buyer is that they ensure, thanks to current construction standards (RE2020), low energy consumption in the house for many years. The budget for the coming years is reliable and without unpleasant surprises of additional costs related to maintenance and living in the house.
Explore the subject in more depth with the article “ First time buyer: how to prepare for the construction of your first home? »
Building your first house: what mistakes should you avoid?
Building your first home is usually a thrilling experience. All the choices and decisions you make are important and determine the long-term success of the project. Here are the most common mistakes first-time buyers make and how to avoid them.
Overestimating your budget
When you build your first house, it is difficult to foresee all the costs surrounding this project: notary fees, connection to networks, exterior design, local taxes... first-time buyers may then discover that they do not have the means to carry out the entire initial project and revise their budget downwards.
It is better to establish a precise budget from the start with your builder and allow for a safety margin.
Choosing the wrong pitch
Le choice of land is not an easy thing. Again, a south west builder well established locally as Maisons SIC is good advice. A cheap plot of land, but poorly located, difficult to service or requiring special foundations can quickly become a trap. The location determines the construction costs, the value of the property, the quality of life but also the future resale.
To simplify your land search, read the article “ Buying land: what to look out for? »
Focus only on prices
A home is no ordinary property. Its quality is paramount, and design errors can be costly. An attractive quote may conceal limited features, poor-quality materials, or paid options. It's important to carefully check the insurance and guarantees offered by the professionals you choose, as well as their reputation.
Not anticipating future needs
Lifestyle changes happen more often and faster than we think. Building a house that is too small or poorly designed can quickly become uncomfortable. It's best to plan for a evolutionary house with spaces capable of adapting to everyday changes without too much work: arrival of children, welcoming a family member, teleworking, etc.
