Rent your future home with the option to buy.
Our Tenant Buyer programme allows eligible applicants to rent a selected property while working towards purchasing it at a price agreed for the option period.
Move in now. Prepare to purchase.
Make an upfront option payment, pay rent and add agreed monthly purchase top-ups. Eligible credits are applied when you complete the purchase in accordance with your agreement.
A clear path from tenant to buyer.
1. Apply and be assessed
Tell us about your income, household, preferred area, available upfront payment and monthly affordability.
2. Agree the terms
The tenancy and purchase-option documents set out the rent, top-up, option period, purchase price and responsibilities.
3. Rent and prepare
Move into the home, make the agreed payments and work towards arranging a suitable mortgage or other purchase funding.
Know the price and build towards your deposit.
- Agreed purchase price: the price is fixed for the option period, subject to the agreement.
- Upfront purchase credit: 100% of the agreed option payment is credited towards the deposit or purchase price if you complete in accordance with the contract.
- Monthly purchase top-ups: agreed top-ups accumulate as purchase credits and are applied on completion, subject to the contract.
- Time to prepare: use the option period to improve your financial position and become mortgage-ready.
- Your future home: live in the selected property while holding the contractual option to purchase it.
Designed for applicants with a realistic plan to buy.
Stable income
You can provide evidence of regular household income.
Affordable payments
You can comfortably afford the rent, monthly top-up and normal household costs.
Upfront funds
You have an agreed amount available for the initial option payment.
Purchase plan
You can realistically work towards mortgage or other purchase funding during the option period.
Understand the arrangement before you commit.
This is a private Tenant Buyer arrangement and is not the government Rent to Buy scheme. Acceptance, mortgage approval, future equity and eventual ownership are not guaranteed.
The fixed purchase price applies only during the option period and while you comply with the agreements. Ordinary rent does not contribute to the purchase. Only payments expressly identified as purchase credits will be credited, and the agreements will explain whether any payments are refundable if you do not complete.
Property values can rise or fall. Obtain independent legal, mortgage and financial advice before signing a tenancy or option agreement.
Understand every part of the option.
How It Works
The complete journey from enquiry to exercising the option.
Payments & Credits
Rent, option payments, monthly top-ups and the agreed price.
Eligibility
Affordability, income, credit history and becoming mortgage-ready.
Frequently Asked Questions
Clear answers about ownership, refunds, repairs, funding and risk.
Take the first step.
Enter your details and we will send the full Tenant Buyer application automatically. We will also receive your enquiry so we can review it and contact you.
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Request your application
Tell us how to reach you. We will email the full application straight away.