A broader and more inclusive approach for access to property. The YFH approach primarily focuses on those without access to financial resources needed to purchase a home. Specifically, it refers to families with an annual income below £110,000 outside London and £140,000 inside London.

This system requires that contributors have a total income of less than £110,000 outside London and £140,000 inside London. The main goal of the YFH application is to ensure that only those truly in need can benefit from it. Therefore, the government set a higher income limit of £90,000 for anyone able to buy a house without further assistance.

According to the budget, the final objective of the YFH programs is to help 70,000 families achieve the acquisition of a home. This program will be available only in England and will consist of a funding of approximately £4.7 billion over five years. An interesting aspect of the YFH application is that there is no equivalent to the 'help to buy' previously.

The government has declared that YFH is a broader and more inclusive approach based on the principle of 'not doing less'. The YFH perspective will have an immediate impact on the demographic of homeowners. With a minimum rental yield of 2.5% and a minimum deposit of 15%, it is expected that the first beneficiaries will be those who already have a medium income but cannot afford to buy a house.

Another important element is that YFH will have a significant impact on property prices. Local price caps will limit the number of people who can acquire a home, thus maintaining the housing market in equilibrium. Finally, the government has highlighted that YFH will never be a system of 'base price', as contributors must respect a revenue limit and a specific local use.