How It Works

Our rent to buy scheme is a very simple way to get you onto the housing ladder.

Once you have selected a home, contact us to arrange a viewing. All the properties listed explain the payments required for you to move into your own home. If you decide to proceed we have a simple application procedure. 

We keep the monthly payments and initial deposits low to make them affordable.

So, if you would like to own your own home, we’d like to help your dreams become reality.

Payment Details

  1. You pay a low initial deposit to secure your home and to move in

  2. You pay monthly rent and deposit “top up” (the deposit is paid into an Arla insurance backed trust account for your protection)

  3. The monthly deposit “top up” builds to fund your deposit upon purchase

  4. The purchase price is FIXED for 5 years when you move in. Each month the growing deposit increases your equity

Application Process

  1. You complete a simple application for the property. If you are successful you pay the deposit to secure your home. You can usually move in within 7 days if you wish
  2. We prepare legal contracts for you and your solicitor. Once completed, contracts are exchanged and the house is yours! You move in now, but pay later – up to 10 years if required
  3. In addition to your legal agreement to purchase, you are given a tenancy agreement which will remain in place until you buy
  4. The seller is legally committed to the sale and cannot withdraw, change the price, or sell to anybody else. You can walk away at any time
  5. At any time within the agreed period, you can buy the house with a mortgage using your deposit fund. We may be able to help you obtain a mortgage if required

Key Benefits

  1. The purchase price is fixed for 5 years. This means that you benefit from any house price growth
  2. You have up to 10 years to buy your home. If you buy after year 5, we share any house price growth with you. See our FAQs for an example
  3. The house is yours to improve as you please – use your DIY skills to add value to your new home and stamp your own identity onto it
  4. You can sell the house at ANY TIME within the agreed period – You could make an instant profit and benefit from the seller's gifted deposit (this is amount rebated to you by the seller when you buy). That’s right – sell a house and move up the housing ladder without ever taking out a mortgage!
  5. Because the deposits are low, it allows you to take the first step towards home ownership without needing a mortgage on day 1
  6. You will not be turned away based upon your credit record. This makes the scheme ideal for first time buyers, people currently renting, those struggling to save a deposit, self employed or anybody with a less than perfect credit record.

Rent to Buy Guide

 You can view our guide which explains how the scheme works, the benefits and covers frequently asked questions.

VIEW >> Rent To Buy Guide