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Rent to Buy: How the government can help you buy a home

Ease the transition of renting to buying a home. Read our guide to find out more about the Rent to Buy scheme and if it's right for you.

Help to Buy Government help

The Basics

Rent to Buy is a government scheme designed to ease the transition from renting to buying a home by providing subsidised rent. You may also hear it referred to as Rent to Save, Rent to Own or Intermediate Rent.

With Rent to Buy in England, Scotland and Northern Ireland, you rent a newly built home at approximately 20% below the market rate for up to five years (exact period of time varies by property). During that time period, you have the option to buy the property or to buy part of the property under a Shared Ownership scheme. When you get to the end of the time period, you either have to buy part of the property or move out.

In Wales the scheme is known as Rent to Own and works a little differently. You rent a property and pay the going rate for up to five years. After two years you have the option to buy the property. If you decide to buy you will receive 25% of the rent you have paid and 50% of any increase in the property’s value since you moved in to use as a deposit on the purchase.

How does Rent to Buy work?

  • Homes are made available to rent with a shorthold tenancy at a reduced rate of 80% of local market rents
  • The expectation (although not obligation) is that this shorthold period of paying less rent gives you the chance to save for a cash deposit so you can apply to buy a share of the home later. After the shorthold has lapsed, you can purchase the property on shared ownership terms, or move.
  • Typically, a lease period will last anywhere from six months to 5 years, depending on the property in question
  • You are free to make an outright offer, or look into a part rent part buy scheme, at any time during your lease
  • Different housing associations use different names, such as Try Before You Buy, Rent Save Buy, Rent to Own, Intermediate Market Rent and more – so check the terms of what you are being offered by a housing association before signing up
  • Be aware there is very limited availability under this scheme. The exact number varies by local authority

How does Rent to Own work?

  • You rent a home at market rate for up to five years.
  • Between the end of the second year and the end of the five-year agreement you can apply to buy your home.
  • When you apply to buy your home you will receive 25% of the rent you have paid back plus 50% of any increase in the property value since you moved in. That money can be used towards a deposit to buy the home.

See our range of calculators that can give you an indication of how much you can afford, how much the mortgage will cost you monthly and more

What is London Living Rent?

If you live in the capital then rent to buy is known as London Living Rent. The scheme is the same as rent to buy. You rent a property for less than market rate with the idea that you can then save up a deposit. Tenancies are for a minimum of three years and during that time you are prioritised for shared ownership homes so you can get on the housing ladder.

The properties available through London Living Rent have an average monthly rent of around £1,000. That is two-thirds the average for the capital. The rent level varies depending on the area but they are all based on being a third of the average rent for the area.

Am I eligible for rent to buy?

You are eligible if:

  • Your household earns £60,000 a year or less. A household can be one person, or you and a partner or you and a friend
  • You are a first-time buyer, or you used to own a home but can’t afford to buy one on the open market now
  • You have a good credit history

But, to make it more complicated, there are further eligibility criteria, which differ depending on the housing association the property is offered through. Priority is normally given to certain groups such as existing housing association tenants and council tenants, people that fit with local priorities, as well as first-time buyers.

Check whether you qualify with your local Help to Buy agent. If you live in London, you will need to contact the Mayor of London’s first steps to home ownership website Homes for Londoners.

If you don’t qualify for Rent to Buy then there are a number of other government schemes aimed at helping you buy a home. There are loans for first time buyers, shared ownership schemes, and various tax-free savings accounts. You can find out more with our guide to how the government can help you buy a home.

Should I do it?

If you are eligible for Rent to Buy, it really then depends on the property, the housing association’s offer and whether you will take advantage of the reduced rent to save up for a deposit. The offer is so varied from one housing association to another, you really need to read the small print of what is being offered before weighing up if it will be beneficial for you.

One of the advantages of Rent to Buy is that it may give you access to properties that you otherwise wouldn’t be able to afford. You are also dealing with a social landlord, which may offer you an extra feeling of security. If you plan to save during this time, take a look at our guide on everything you need to know about Lifetime ISAs.

In order to make sure you save up enough we’d recommend cost-cutting while you are renting too. We have guides covering everything from slashing your energy bills to how to plan a household budget. You can find them all in the cutting your bills section of our website.

A disadvantage is that if house prices rise during the period you are renting, they might rise beyond your reach. A longer rental period puts you at greater risk of this. In Wales Rent to Own offers 50% of any increase back to you to help with your deposit.

If you are looking at signing up and eventually buying the property, check with an independent mortgage adviser first and price up how much this would cost you in monthly repayments. You should ask whether lenders are happy to lend against properties within the Rent to Buy schemes. Don’t forget there are the costs of buying a home to factor in too.

See our range of calculators that can give you an indication of how much you can afford, how much the mortgage will cost you monthly and more

How do I apply?

  • First, you must register with your local Help to Buy agent if you live in England. They will assess your application and tell you if you are eligible and add you to their database. This is worth doing as they may contact you directly if a suitable property becomes available.
  • If you live in Wales you can apply for Rent to Own via participating landlords. Here is where you can find a list of rent to own landlords.
  • In Northern Ireland you can apply via the Co-Ownership website.
  • You should also be proactive and browse for properties on your local Help to Buy agent’s website.
  • Find a property you like the look of and ring the number on the advert to check your eligibility.

Rent to Buy and Shared Ownership

Many Rent to Buy schemes allow you to buy a portion of your home rather than the whole thing. This is known as shared ownership. You buy say 25% of your home and continue to rent the rest of it. In the future you can then choose to buy more of your home through a process called staircasing. You can find out more with our guide to shared ownership.

While shared ownership offers an affordable way to get on the housing ladder there are some problems with it. Read more in Shared Ownership: What to watch out for.

Other ways to buy

There are a number of government schemes designed to help you buy a home, which could be worth investigating. This includes:

  • A Help to Buy equity loan, that will lend you up to 20% interest-free for five years (of 40% in London). This is for new build homes only, valued under a certain limit
  • Shared ownership allows you to buy a portion of a new build home and rent the rest, as long as you meet some very specific eligibility criteria.
  • Right to Buy allows council tenants to buy their home at a discounted price.

How we can help

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Leave a comment (204)* Required

  1. James MartinJames Martin

    I’d like to buy my first home iv been I now over 6years

  2. Jasmine RossettiJasmine Rossetti

    Looking to buy in thevcommunity we havr loved in for oger 20 years. Both on SDP. PIP. ESA. Pension credit , pension and AA. We in receipt of HB. Dont seem to fot any criteria. And been told no regards a mortgage. Told we havnt got enough income. All grim. And no one with advice to help . Thought HELP, be thr way. Mentioned could even look on open matket for suitable house.?

  3. Elena SmithElena Smith

    I am looking to Rent to Buy,I do not ahave a good credit rating (arranging payment plans) and No Guarentor but I have a deposit and future rent.
    Could somebody contact me to discuss any possible schemes.

    Many Thanks
    Elena Smith

  4. Sharon KourSharon Kour

    Dear Sir madam

    My credit rating is good. But i have no deposit to purchase the property im currently living in im living here for 8 years and paying rent to a landlord he ow wants to sell but has given me first had to purchase im quite vulnerable and fee very safe here i dont stay well and im on medication its very difficult me as i jave ti keep moving if i can save this apaprtment can you help me do in th4 coming few days. I have contacted a broker but hes nit replied back yet and i feel hes wasting my time i dont want to keep going to brokers as it may effect my credit rating.
    Im not sure if i can benefit from rent buy on my property as of now and then save the deposit that way no one is offering me a mortgage for £150.000 and i will get a discount plus my last month’s money back on rent not sure if you can help save my home i dont want to become homeless. If its in your power and you can help me with this il be so greatful i domt have long left on my tenency and i want to stop the apartment going on the market can you help save my home im on universal credit for certain reasons i do not earn £30 thousand a year i have had so much tragedy 6 years back and my story is really hard to cope sometimes but I hope you can help and tell me different

    Thank you
    Sharon

  5. ANA VASCOANA VASCO

    I I’m looking forward to buy a property in London, do you know how can I get help please look rent to buy

  6. Elvira PopovElvira Popov

    I am interested in rent to buy

  7. Hubert PieszakHubert Pieszak

    Hi can you contact me fo more details
    and explain me more details the rent to buy
    Thanks

  8. AnamariaAnamaria

    I am intresting on rent to buy

  9. Daniel AdeoyeDaniel Adeoye

    I need help and information pls. I applied for rent to buy in a new housing development in Clayton Manchester for a 3 bedroom house and it was on the basis thst my family of 5 is already overcrowded for a 3 bed house. Pls is that correct? How could a family of 5 father mother and 3 young children be overcrowded in a 3 bed house?

  10. ClaireClaire

    Hi
    I would like to know more about rent to buy scheme please I the Brighton area. Thank you.

  11. Mihaela StochiciMihaela Stochici

    Hi I would like to know more about rent to buy scheme please?I looking house in Boremhwood

  12. kwakukwaku

    call me on 07305382199

  13. Louise GillespieLouise Gillespie

    Hi
    I was enquiring about your rent to buy I live in Scotland falkirk .it would only be myself and dogs.om looking for 2 bedroom with a good garden can you email me some more information thank you louise Gillespie

  14. Louise GillespieLouise Gillespie

    Hi
    I was enquiring about your rent to buy I live in Scotland falkirk .it would only be myself and dogs.i have a deposit of 3000. I’m looking for a house 2 bedroom with a good garden .could you please send me some more information about this.i do have credit cards and I work full time .thank you louise Gillespie

  15. Bhupinder KaurBhupinder Kaur

    I am interested in the rent to buy scheme and would be grateful for more information
    Thankyou

  16. Sarah CampbellSarah Campbell

    Looking for litherland liverpool

  17. sue cuznersue cuzner

    looking for a one bedroom property in plymouth

  18. Gemma margerisonGemma margerison

    could i have how u apply to rent to buy in garforth area leeds

  19. israar hamidisraar hamid

    HI

    I HAVE A HELP TO BUY CODE AND WILLING TO MOVE INTO A PLACE ASAP. I ALSO HAVE A CCJ ON MY NAME, WOULD THAT BE A PROBLEM FOR?

    PLEASE REPLY ASAP, I HAVE A VERY UNCOMFORTABLE SITUATION.

    LOOKING FORWARD ON HEARING YOU

  20. John taylorJohn taylor

    Could I have some information about rent to buy please 07796762805

  21. Morwenna nealeMorwenna neale

    I would like to know how I can do this and if I’m eligible

  22. Archie SinghArchie Singh

    Hi there, i’m looking for Rent to buy scheme i have a property in place and landlord agreed to do this. can you please advise?

    Regards
    Archie

  23. Tazkia AbbasTazkia Abbas

    Hi,I would like to know more about rent to buy scheme please?

  24. OlutolaOlutola

    Hi
    I have applied but have ot heard from your office to know wether i will be considered forthe rent to buy kindly call me on this number 07845713000 thanks

  25. HyronHyron

    Hi can you please help me to rent and buy a house please

  26. Lesley WithamLesley Witham

    Could you please send me a application form for T 178 he part buy part re

    Could you please send me a application form for part buy part rent Lesley witham thank you

  27. Mohammed AhmedMohammed Ahmed

    Hi can you contact me fo more details
    and explain me more details the rent to buy
    Thanks
    Mohammed Ahmed

  28. Rowan RaynerRowan Rayner

    Hi, can you contact me please regarding the rent to buy scheme, our current landlord is horrendous and left everything half finished in the house we are renting. We are in the Middlesbrough area if there is any houses around that may be in the scheme we would be interested

  29. Andrew WeaverAndrew Weaver

    Hi can someone give me information on rent to buy, shared ownership and help to buy equality loan. Thanks

  30. Kevin DohertyKevin Doherty

    Hi. Could you contact me please
    I live in the South West and was hoping to utilise rent to buy around here
    Thank you kevin

  31. Waldemar KozlowskiWaldemar Kozlowski

    Hi can you please contact me I am really interested about rent to own, my contact number is 07411757277

  32. Awa MariamaAwa Mariama

    I am looking for Rent to buy House 3 bedroom

  33. Victorita G. J.Victorita G. J.

    Hi, can you contact me for more details and explain me more details about the rent to buy

  34. silvia cabrerosilvia cabrero

    Hello,
    I am interested in rent to buy.
    I would like to find something east london so I don’t have to move my son out from his nursery.
    Could you contact me, please?

  35. Lukasz KubiakLukasz Kubiak

    Hi
    I am interested in rent to buy. Could I get more details or someone could give me a call on 07712336800
    Thanks in advance
    Lukasz Kubiak

  36. Brown uhunomaBrown uhunoma

    Please contact me
    I am interested in rent to buy

  37. Brown uhunoma AhurorareBrown uhunoma Ahurorare

    Please I want to register my interest on rent to buy

  38. David DuchsingDavid Duchsing

    Can you please call me back please
    07538479865

  39. David DuchsingDavid Duchsing

    Can someone call me back please

  40. FrancescoFrancesco

    Hi, I am living in a flat not listed on the London Living Rent list. Can I ask the landlord if she will accept the T&C of the scheme and , if she will, ask her to list it here or the houses are selected in other ways?

  41. Mrs A. HauslerMrs A. Hausler

    my daughter has two small children and her ex husband wants to sell their home.
    would she be eligible for the help with the rent to buy scheme.

  42. Denisa DanekDenisa Danek

    I would like to rent 3 bedroom house and buy.
    I would like to know how does it work for parents who are single parents and looking after kids.
    I will be the first buyers as well. Thanks for understanding and please let me know.
    Sincerely
    Denisa

  43. Alyson TedderAlyson Tedder

    Are there any rent to buy agents I the Surrey , area

  44. Shaun hurleyShaun hurley

    We want to buy a property .and would like some information on how we go about renting to buy please thank you.

  45. KAMILAKAMILA

    I am interested in rent to buy and would like more information. I live inMitcham/Croydon.

  46. YasminYasmin

    Hi I want same advice about rent to buy we live a house overcrowded whith 6 people for 2 bedrooms can you help us plz me and my husband we both work

  47. YasminYasmin

    Hi my name is Yasmin I been living 6years in landlord house 2 bedrooms for 6 people and Manchester move is not giving me a house can you help us plz we want rent to buy house and my husband and me we both work

  48. MRS CATHERINE MCNAMARAMRS CATHERINE MCNAMARA

    I will be claiming disability benefits for my disabled son, who is now 8, for many years to come.
    I am unable to work because I am his carer.
    Is one of these mortgages available to someone like myself, who receives benefits?

  49. Thomas A JoyceThomas A Joyce

    Is there an upper age limit that would stop me from participating in the Rent to Buy programmes?

  50. MagdalenaMagdalena

    I am interested in rent to buy and would like more information. I live in Somerset.

  51. Graham CrossGraham Cross

    Hi, we are looking to rent to buy in the Stubbington/Fareham area

  52. Ioana TrandafirIoana Trandafir

    Hi
    I’m interested in a rent to buy home
    Is the scheme available in Gloucestershire?

  53. Mukeethan murugaihMukeethan murugaih

    I like to go for rent to buy property please help us

  54. ZaraZara

    Good afternoon, I’m looking at part buy , part rent, just wondering if someone can help and point me in the right direction please of what’s available in my area?

    Thank you

  55. angelique foyangelique foy

    Bristol area or north east Lincolnshire a availability please

  56. Jade HayesJade Hayes

    Hello! i am interested in a rent to buy home but i wasn’t too sure of availability in my area so was wondering if i could possibly speak to someone.

  57. Claudia SavescuClaudia Savescu

    I’m looking into Rent to buy scheme to help me buy a home for our family. Can you please give me more details ? I would need some guidance in this matter.
    Thank you

  58. AshleighAshleigh

    I have been looking into the Rent to buy but I am struggling to find to much information regarding who to get in touch With? Any help wouldn’t be greatly appreciated, please and thank you

  59. Terese LundTerese Lund

    I am interested in more information on how to rent to buy houses.

  60. BonganiBongani

    I want to rent to buy

  61. LizzieLizzie

    My partner and I are looking at getting our first property together, the rent to buy option seems like a really good fit as we are not financially ready yet but don’t want to waste money renting as such. We are in Ramsgate, Kent. Can anyone give me any developers, locations offering this scheme?

  62. Olujide OyetunjiOlujide Oyetunji

    Will like to know if I am qualified for rent to own in my area of work, I work for Buckinghamshire council in Aylesbury and currently reside in Luton. Kindly help.

  63. SaraSara

    Hi,
    I am under benefits in Manchester , with high rent 925£ a month . I am interested in rent to buy. Is there any opportunity to do it in some way while under benefit?
    Or is there any Trusted private companies help in that rather than government?
    Thanks

  64. Jane doeJane doe

    I’m interested in rent to buy, I would be a first timer buyer and am needing some more info. Also if you could send me some websites with suitable properties for rent to buy within Sheffield. If you would email me that would be great.

  65. Sarmad AyubSarmad Ayub

    Hello, I am interested in Rent to Buy scheme near Oxfordshire, also have spoken to local council but they do not know anything about this. What can I do to step on this ladder ?

    Regards

  66. Natalie GrossmanNatalie Grossman

    Hi
    I live and manchester and I am interested in the rent to buy scheme
    Can you please send me some info
    Thanks

  67. ChloeChloe

    I am interested in the rent to buy scheme. I live in Deal, Kent. Any further advice and guidance on how to apply for the rent to buy scheme would be great.
    Thanks.

  68. Barry WoodwardBarry Woodward

    Hi looking at doing the rent to buy scheme, could you email me with more information about this please and also some sites to go on to find appropriate properties.

  69. Luke BreenLuke Breen

    I am very interested in the rent to buy scheme. I live in Deal, Kent. Any further advice and guidance would be greatly appreciated.
    Thanks.
    Luke

  70. Simon FaulknerSimon Faulkner

    Earn 25000 annual looking to rent to buy with my other half

  71. Oscar MalobaOscar Maloba

    I am earning £29,000 but I don’t own any home; I am interested in rent to buy.

  72. AkramAkram

    Hi, I work full time permanent position
    Looking for a place for rent to buy scheme
    Salary £25000,

  73. Richard GuobadiaRichard Guobadia

    Please, I am interested in rent to buy scheme. Can you educate me more?
    Send me registration procedure of rent to buy scheme
    Thanks.
    Richard.

  74. Richard GuobadiaRichard Guobadia

    Please, I am interested in rent to buy scheme. Can you educate me more?
    Thanks.
    Richard.

  75. Toyosi SanusiToyosi Sanusi

    Hi

    Could you please send me the registration proccedure and other details for the rent to buy scheme.

    Regards,
    Sanusi

  76. KhadijaKhadija

    Please can somebody get in touch with me regarding rent to buy. Thank you

  77. Emanuela ApentengEmanuela Apenteng

    Hi can you please get in touch regarding rent to buy thanks

  78. AlastairAlastair

    Hello,

    Could someone please get in touch in regards with rent to buy – my number is 07840176638

  79. IlyshaIlysha

    Hello. L
    Please can somebody get in contact with me regarding rent to buy

  80. MikeMike

    Hi, i want to get rent to buy in teeside. I have 5% for deposit. But have 5 year old ccj and im just a taxi driver. Im earning £800 a week. Any advice? Thanks!

  81. JohnJohn

    sorry I missed a call can I receive another one about rent to buy please

  82. AkramAkram

    I am interested in help to buy scheme, i work full time in permeant position in w1w5pn.

  83. Pete uppalPete uppal

    I am interested in the rent to buy scheme. Please can you provide more information and guidance.

  84. Sylvie LuboyaSylvie Luboya

    I am interested in a rent to buy scheme in Nottingham or Nottinghamshire. I have a deposit but it’s not enough for 4 bedrooms. Please would you advise me on how to apply for rent to buy scheme.

  85. Donna AllenDonna Allen

    Looking at properties on rent to buy. My postcode now is NG16 6JE do you have any homes close by please

  86. Shah hussainShah hussain

    Hi,
    Please can you get in touch with us regarding rent to buy.

    Thanks

  87. Amanda TurnerAmanda Turner

    Hello I Live in Cambridgeshire and I am interested in rent to buy ,could you please forward me more information, thankyou

  88. AmberAmber

    Hello, I am interested in the rent to buy scheme in the North East. I am single and rent alone, however this means I am unable to save a deposit. Please can you point me in the right direction of what to do next and how to apply?

  89. Petronilla ChigariroPetronilla Chigariro

    I am interested in the rent to buy scheme. Please can you provide more information and guidance.

  90. Melba Cristina Viana Rodrigues MendesMelba Cristina Viana Rodrigues Mendes

    I’m interested in rent to buy. can I have more information

  91. Nicholas StylianouNicholas Stylianou

    I am interested in rent to buy. Please may I have more information. Thank you

  92. MichaelMichael

    I am interested in rent to buy. Please may I have more information

  93. Jane WheatleyJane Wheatley

    I am interested in rent to buy and would like more information

  94. DamisiDamisi

    I have interest in rent to buy. I need more clarification please. Thank you.

  95. NaomiNaomi

    Hi I am interested in a rent to buy scheme, can I please have more info about it thank you.

  96. Melissa fosterMelissa foster

    I am interested in the rent to buy scheme, and would like to know how i get started to see if i am enable.

  97. ClaireClaire

    I think its now the time to properly start helping first time buyers who have rented for the majority of there life, how on earth can people save a deposit with high rents and personal circumstances? There is a generation who are missing out massively!

  98. WendyWendy

    Hi, I am looking for rent to buy home in the Newport/Cwmbran/Monmouth area due to relocation with work. Want to be able to buy in the future and would appreciate any help please. Thanks, Wendy

  99. HayleyHayley

    Hi I’m looking at moving from Wales to Walsall area England and looking for a rent to buy property can you be of any help and send me information on which application I need to fill in and who with? Thanks hayley

  100. JeanJean

    we want to sell out property in weston super mare..we are just waiting for estate agents to come and take photos…but I thought I’d give this sight ago! It’s a 2bed semi with lovely garden…full market value is
    184.000 and it’s a 40% share..the rent is only 214 pounds a month sorry if not allowed to advertise just thought I’d give it a go..

  101. SabineSabine

    Hi. I’m looking for LLR 1-bed property with £28k (plus bonuses) income. I’m single and work in full time. I live in London for 10 years now. Would like to ask what my options are and what properties are available. Able to move within a few weeks (notice period).

  102. EftimEftim

    I living in London for 7 years and I can’t afford to safe for a deposit to buy my own property. I really want to get register on Rent to Buy, Can you explain how can I do that. Regards Efim.

  103. JenJen

    I’m very keen to look into rent to buy in the Exeter area, how do I find out about local schemes?

  104. SarahSarah

    Hi,
    I’ve been renting forever and finding it very hard to save for a deposit. I have read about rent to buy but cannot see anything on the website here. Could I have some information please.

  105. KileyKiley

    Hello
    Rented most my life cannot save up because rents are so high. Interested in rent to buy how do I find out more about this?

  106. Jessica robJessica rob

    Hi i am looking into rent to own/ rent to buy scheme but wanting to speak to someone how do i go about this? I can only see physical property on a shared ownership scheme
    Thankyou

  107. CameliaCamelia

    I’ve been renting for years in London, so couldn’t manage to save anything for a deposit to buy a house, we are a familiy with two kids. Is there a way I can be taken in consideration for a rent to buy scheme?

  108. Barry EdwardsBarry Edwards

    I would like to find a rent to buy scheme in Nottingham or Derby please could you help? Kind regards

  109. DanielleDanielle

    Good afternoon.

    Can I please have some information and help regarding “help to buy”. I have saved 14,000 so far. My salary is 32,000 but due to go up in the next few weeks.

    Am I eligible for the scheme? Do I have enough?
    Thank you
    Danielle kirkpatrick

  110. Brian A SimonsBrian A Simons

    Hi I stay in Bermuda and I’m planing to move to the UK. I am not able to buy a house but I’m very interested to know if I’m eligible to apply for this plan. As being a Bermudian I’m am under Britain Colony.

  111. LouiseLouise

    I have been renting for years so can’t afford to save for a deposit to buy a house. Is there a way this can be taken into consideration so I am able to secure a mortgage? Rent to Buy??

  112. Errol DaleyErrol Daley

    Hello I’m interested in rent to buy property in Aylesbury and surrounding areas. I’m a foster carer. We need a larger property for our own children and foster children

  113. Shakiru adeyemoShakiru adeyemo

    Hello , I’m interested in a rent to buy house in Birmingham, West Midlands kindly updates me for a further discussion about this project thanks.

  114. Lisa HarveyLisa Harvey

    I would like to have a rent to buy 3 bedroom house in cannock/ norton area

  115. Avis SeymourAvis Seymour

    I am interested 2 bedroom house in Birmingham. Not interested in property in the City Centre of Birmingham. Rent to Buy/Shared Ownership. Interested in New Build property.
    May consider flat in the accommodation is on lower ground.
    Sheldon/Acocks Green/Hall Green/Stechford/Harborne.
    May consider accommodation in Dudley/Halesowen/Oldbury – “Smethwick?”

  116. fardos ashrafifardos ashrafi

    Hi,
    I intersted 4 bedrooms rent to buy or shared ownership in Manchester south.
    Many thanks,

  117. MichelleMichelle

    A friend is offering to rent me a property with a view to me buying it after a few years. Is there any scheme that will allow him to do this, like the rent to buy scheme as it is not a new build. I am a teacher living alone and unable to get on the property ladder after falling off it about 20 years ago.
    Many thanks
    Michelle

  118. Humayrah FaisalHumayrah Faisal

    Hello,

    I would like more information on the Help to save scheme please?

    Many thanks
    Humayrah

  119. IreneIrene

    I would love to rent to buy 4bed house in Harborne, Edgbaston and Tipton in Birmingham. How do I go about it please

  120. ChurchChurch

    Information is inadequate. There’s a link to access the providers information if you live in Wales and Northern Ireland but not if you live in England my area of interest. Could you provide the link to the local help to providers in England for one to register with them?

  121. Cherry DouglasCherry Douglas

    Hi am looking to do rent to buy in bristol me and my daughter would like to no more thank you

  122. Jamal AnjumJamal Anjum

    Hi, I’m looking for a brand new build rent to buy in Bradford West Yorkshire or nearby but don’t know how to go about it???

    • HomeOwners AllianceHomeOwners Alliance

      Hello Jamal, check whether you qualify with your local Help to Buy agent. If you live in London, you will need to contact the Mayor of London’s first steps to home ownership website Homes for Londoners.

  123. CarolineCaroline

    Hi I’m looking for a brand new build rent to buy in Dudley Brierley Hill Stourbridge or bromsgrove but don’t know how to go about it

    • HomeOwners AllianceHomeOwners Alliance

      Hello Caroline, check whether you qualify and what properties are available with your local Help to Buy agent.

  124. devindar kaur gheradevindar kaur ghera

    i am want to buy a house on my own my income is 22000 a year i can have deposit of 25000 but i dont know how to start or where to start to buy a house for me.

    • HomeOwners AllianceHomeOwners Alliance

      Hi Devindar, we’d suggest you start with a chat to a mortgage broker to see how much you can afford to borrow and to see if there are any products out there that suit your circumstances. You can get fee free advice so do take a look here

  125. JonathanJonathan

    Hello, I’m thinking of a rent to buy property in county durham but when I viewed the home there is no flooring anywhere, and no blinds. With it being rental for 5 years, should the flooring be provided by the agent or by me? A search online seems to suggest that as a minimum for unfurnished property rent, flooring and window covering should be provided. Does anybody know if this is correct? Thanks 🙂

  126. catherine paradinecatherine paradine

    I want to buy place rented last 12 years before anything happens like rent increse like the paper work in play….let me know be gd,,,

  127. RobRob

    Hi, are there any rent-to-buy properties available around the Cheshire East area? Predominantly the Sandbach area?

    Thanks

  128. PaoloPaolo

    Thank you
    Really appreciate

  129. PaoloPaolo

    How I can contact my local Help to Buy Agent?
    Thank you

  130. VirgaVirga

    Hello,
    I am looking for rent to buy properties in Wolverhampton/Walsall , do you know about any?

  131. PaoloPaolo

    I’m living in Croydon and work in Wimbledon there’s any rent to buy around?

    • HomeOwners AllianceHomeOwners Alliance

      Hello Paolo, there aren’t many rent to buy properties around, but do contact your local Help to Buy Agent to find out what’s available in your area.

  132. Churchill RogersChurchill Rogers

    hello,
    I am looking for a rent to buy property in Manchester, please advise?

    • HomeOwners AllianceHomeOwners Alliance

      Hello Churchill, you need to contact your local help to buy agent. You can find their contact details here.

  133. AdrianAdrian

    Hi. I am looking for a rent to buy houses in Wellingborough or near. Do you know about any? kind regards

    • HomeOwners AllianceHomeOwners Alliance

      Hello Adrian, you can find out if there are any properties in that area by contacting the local Help to Buy agent.

  134. annaanna

    Is it possible to be in Rent to buy scheme for 2 years and then move into Help to Buy?

  135. Michelle DixonMichelle Dixon

    I’m interested rent to own from horsham up to Hayward Heath area

  136. Michaela ashdownMichaela ashdown

    Looking in the rent to buy In or around braintree essex

  137. PhilPhil

    we would like to sell our property to our tenants. It is a freehold property and we are wondering if there is a way for us as private landlords to help them.

    • Sara HindSara Hind

      Hi, this wouldn’t be covered by the Rent to Buy scheme. Any arrangements you made with them would be done privately.

  138. GarethGareth

    Hi my dad is a landlord , can he buy a house and rent it then can I buy it with this scheme. It would not be a brand new house as I want to live in my local village with no new housing planned .thanks
    Gareth

    • Sara HindSara Hind

      Hi Gareth, thanks for your question. The Rent to Buy scheme is operated by housing associations and applies to new builds, so no, I’m afraid you couldn’t do as you suggest through this scheme.

  139. Frankieleigh richardsonFrankieleigh richardson

    Hi. I currently live with my mum and siblings however I am looking at moving out. Please can I have a call in regards to the rent to buy scheme?

    • Chandni SahniChandni Sahni

      Hello! Have a look at becoming a member, you will have access to our friendly, professional and independent Home Helpline team can deal with a wide range of home ownership queries and problems, helping you through a difficult situation or giving you a second opinion on next steps.

  140. Louise EllaLouise Ella

    Hello, me and my partner are looking into the rent to buy scheme, whats the agreement with pets? Can any rent to buy property allow pets as we have a small dog?

    • Sara HindSara Hind

      Hi Louise, thanks for getting in touch. You’d need to make enquiries about pets for the properties you’re interested in. There may be differences between them, for example you’d typically expect more stringent rules on pets in flats as opposed to houses. In my experience most places have a clause in the lease that says permission must be sought for pets.

  141. GautamGautam

    Hi
    Can you please guide me on rent to buy scheme in castleford / cutsyke area
    Regards
    Gautam

  142. JamesJames

    Hi there, I’ve found a local property that is rent to buy – however the agents advert stipulates that a deposit of 5-10% is required at the outset.

    I thought the whole point of rent to buy was to allow you to save for a house deposit?

  143. Abdullah aliAbdullah ali

    Hi i am interested in the rent to buy, im living in a private rented property at the moment im pay £390 rent each month as i have for the past 4 years, can you help me find a rent to buy in my area please.

  144. NatalieNatalie

    Hi,

    I’m currently living in a property with this rental status, I couldn’t afford to buy a house and need to be in the city where the flat is based. However, my boyfriend is considering moving in and we want to put him on the tenancy but he is currently selling his house. Will this make us ineligible for the scheme? What are our options here?
    Thanks,
    Nat

    • Sara HindSara Hind

      Hi Natalie, the first thing I’d suggest is to take a look at the terms of your lease. You probably have to ask the Housing Association’s permission for your boyfriend to move in. I doubt his situation of having sold a property would make a difference, but it’s best to check your lease first and then check with the Housing Association as each one will likely have different criteria.

  145. AbbieAbbie

    Hello,

    Me and my partner both live in the UK. He is in full time work and I am full time university student with a part time job. Can we qualify for a rent to buy scheme?

    Many thanks.

    • Sara HindSara Hind

      Hello Abbie, please contact the Help to Buy Agent in the area you are looking to buy as each Agent has their own criteria. The link to find your Agent is in our article.

  146. Rebecca BennettRebecca Bennett

    Hiya my name is Rebecca I’m trying to find properties in my area that offer the government rent to buy scheme I registered with South West help to buy a few months ago but still have not found any properties in the Paignton area, I was told it gets updated everyday with new properties but it hasn’t changed at all and I’ve checked it most days could you please let me know of any 4 bedroom properties available, our current tenancy ends on October 22nd so ideally we would like to move by then.

    • Sara HindSara Hind

      Hi Rebecca, you’ve done the right thing by registering with the local agent. We don’t have lists of the available properties here.

  147. RitaRita

    Hi, I’m interested on rent to buy, I would like to know how much its minimum income required, my rent at the moment is 1500, which i believe would be very well invested on a rent to buy.
    Thank you

  148. RoseRose

    I was wondering if my 17 year old boyfriend and I were to move to the UK would we be able to participate in this program or one like it? He is a british/australian dual citizen and I am not

  149. MelissaMelissa

    Hello
    I am interested in the rent to buy, how do you go about starting up and finding a property?

    Thanks

    • Sara HindSara Hind

      Hi Melissa, thanks for getting in touch. You’ll see from our article that the first step is to register with a Help to Buy Agent. Their details can be found here.

  150. Anthony chibuezeAnthony chibueze

    Dear sir/Madam
    I am interested in rent to buy house 3 bedroom in colchester area..

  151. Leo MarcianteLeo Marciante

    Hi, I am currently renting a property which runs out in August 2018, I am currently divorced, self employed. I am looking in to either of the following;

    – Renting
    – Rent to buy
    – Buy a house

    Can you please advise what are the steps going forward that I need to take,

    Many thanks in advance, and I look forward to hearing from you very soon.

  152. Jessica WilliamsJessica Williams

    Can you get the help to buy scheme in Wales please?

    • AKerrAKerr

      Yes you can. Type “Help to Buy Wales” into your search engine.

  153. Ifeoluwa Ife-AbidakunIfeoluwa Ife-Abidakun

    Good morning to you sir
    I’m interested in rent to buy flat in SE area of London metropolis
    Can you please help me with a good guidance sir so as to see if I can be of benefit
    Many thanks
    Ifeoluwa

  154. Rebecca MRebecca M

    Good morning 🙂
    I would love to do rent to buy on a property but I would be looking to do this alone on a monthly payment of £1600 is this possible or is this not going to work at all , I’m extremely stuck at this house nonsense but would love to own a house and the newly developed ones are the best Ive seen
    Also would it assist if I had savings ?
    Thank you very much

    • AKerrAKerr

      Hi Rebecca, I’ve emailed you with some info. But the best place to start is speaking to a mortgage broker who can talk you through the government schemes and check affordability for you. Click here to get started.
      The HomeOwners Alliance team

  155. JoyJoy

    Is the rent to Buy properties any areas.

  156. julietjuliet

    i need a rent to buy property but i dont know how to go about pls. i need help

    • AKerrAKerr

      Hi Juliet
      Send us an email at hello@hoa.org.uk with details of what you nee help with and we’ll hopefully point you in the right direction.
      Angela

  157. AbdusAbdus

    Hi
    Do you know if this Rent to buy scheme is available in Stoke-on-Trent?

    Thanks

  158. IanaIana

    My housing association advised me that this scheme rent to buy has now ended, does this mean it has ended for good? The government ended it?
    C

  159. AbrahamAbraham

    Hi thre pls help me to rent to buy a house since I’m on my own feed with my wife ,we move from rent to rent places and contracts is only for a year,pls help we busy build our future with our 10years daughter,pls let me know asp.Thank you i’ll see out for your’ll feedback

    • Sophie KhanSophie Khan

      Dear Abraham,

      As you will see in the guide- you are eligible for the scheme if:

      -Your household earns £60,000 a year or less (or £64,300 if you are looking at homes in London). A household can be one person, or you and a partner or you and a friend
      -You are a first time buyer, or you used to own a home but can’t afford to buy one on the open market now
      -You have a good credit history

      There are also criteria you would have to meet which are set by the housing association the property is offered through. Your first step is to check if you qualify and register with your local Help to Buy agent and they can help you with this. Do consider becoming a member to access the services listed and we can advise you further with the buying process.

      best wishes
      Sophie
      HomeOwners Alliance Team

  160. Hayley WrightHayley Wright

    Hi,
    Could you please email me so we can discuss a buy to let scheme for myself. I would be a first time buyer.

  161. DR. ABDUL MAJIDDR. ABDUL MAJID

    I want to buy a house because I am going to be 53 years old in September. I am really tired of moving home to home after every few years.

    • Sophie KhanSophie Khan

      Dear Dr Majid,

      There are criteria you would have to meet which are set by the housing association the property is offered through. Your first step is to check if you qualify and register with your local Help to Buy agent and they can help you with this. If you live in London, you will need to contact the Mayor of London’s first steps to home ownership website First Steps.To check whether you can afford to move you could contact our mortgage broker partner – L&C who are fee-free, so worth giving them a ring on 0800 073 2326 – or request a call back here

      best wishes,
      Sophie
      HomeOwners Alliance Team

  162. HarrietHarriet

    Not sure if I have contacted you before. I am interested in rent to buy scheme. What exactly are the requirements? Is there a age limit on this scheme? Iam interested in a 2 or 3 bedroom house. I am an NHS worker, nurse . I have a small deposit .I have been on a waiting list for a council house for 15 years and don’t want to wait any longer. Please advise me on where to start this process.
    Many thanks.

    • Sophie KhanSophie Khan

      Dear Harriet,

      There are certain eligibility criteria that you need to meet to qualify so it is good for you to register with your local Help to Buy agent. They will assess your application and tell you if you are eligible and add you to their database. This is worth doing as they may contact you directly if a suitable property becomes available.

      Best wishes,
      Sophie
      HomeOwners Alliance

  163. walter patinowalter patino

    hi we would like to rent to buy a two bedroom in south london. i am 56 years old will we be eligible for this scheme?
    thank you

    • Sophie KhanSophie Khan

      Dear Walter,

      There are certain eligibility criteria that you need to meet to qualify so it is good for you to register with your local Help to Buy agent. They will assess your application and tell you if you are eligible and add you to their database. This is worth doing as they may contact you directly if a suitable property becomes available.

      Best wishes,
      Sophie
      HomeOwners Alliance

  164. MarieMarie

    Is rent to buy available in Scotland?

  165. KaylaKayla

    Hi I’m currently in a rent to buy property I would like to buy, but my housing association is saying they don’t have a process in place, my five years is almost up, they are not providing me with any details I have good credit, can they just pull out of this arrangement by not providing me with any costs or procedures?

  166. Jason louisJason louis

    Hi my name is Jason Louis and I am interested in the rent to buy scheme in order to obtain a 2 bed property in east london

    • Sophie KhanSophie Khan

      Dear Jason,

      In order to find a property through this scheme you must first register with your local Help to Buy agent. They will assess your application and tell you if you are eligible and add you to their database. This is worth doing as they may contact you directly if a suitable property becomes available. Here you can: Find your local Help to Buy agent. Do consider becoming a member and we can assist through the various stages of buying, and you would get a 10% discount on solicitor fees, here you can: Become a member of the HomeOwners Alliance for £45.

      Best wishes,

      Sophie
      HomeOwners Alliance

  167. dandan

    Please i need a minimum of 3 bedroom on rent to buy scheme in Birmingham or Northampton to be able to save towards mortgage.
    Kind regards.

  168. zia choudhuryzia choudhury

    hi im looking to rent a three or four bedroom house and then to buy in bolton i have an income of 400 pound a week with having very bad credit scoring it makes it difficult to obtain a mortgage would i be eligible to rent to buy.
    kind regards,

  169. Emma WilliamsEmma Williams

    hi

    me and my partner are looking into the rent to buy scheme so we can save a deposit to buy a property, we are first time buyers, how do i go about signing up ? we live in yate and not sure who our help to buy agent is in yate? or how we go about applying to the rent to buy scheme?

    thanks

  170. jeffjeff

    hi im lookin for a 3bedroom hous rent to buy in Rochester can you help me please.Many thanks and regards

  171. JasminderJasminder

    Hello, I am looking for rent to buy in Barking and Dagenham can you help pls
    Many thanks and regards

  172. BrahimBrahim

    Hello Sir,
    I’m looking for rent to buy in Lewisham or south east london thanks a lots.
    Regards

  173. BrittanyBrittany

    Thanks for the information! Such affordable home ownership schemes help people a lot to make their first step when purchasing their own property. I know that there is Help to Buy scheme that helps first-time buyers to purchase their firs home and they need to contribute at least 5% of the property price as a deposit. It’s really great. Also there are shared ownership schemes that can be provided through housing associations. This way people buy a share of their home that is between 25% and 75% of the home’s value and then pay rent on the remaining share. People should read more information about such schemes as they help a lot.

  174. Mark HowellMark Howell

    We took up a rent to home buy property from Sovereign on what we were told was a 3 year contract to purchase a share after that date. When we came to enquire about to purchase our share we were told we couldn’t because house prices had dropped and we have to now keep an eye on house property prices in the area. They have said the house is not worth what they want and won’t sell until it reaches the price.

  175. OlaOla

    How can I rent to buy while my credit status is being repaired.

 
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