Are You Renting?
Have You Been Turned Down for a Mortgage?
Do You Really Want to Be a Home Owner?

Now – You Can!!

Look – we know what you’re going through.

You work hard, you save hard, and then you take your deposit along to the bank who say…

“Sorry!
You don’t qualify for a mortgage right now.
Come back next year.”

So you work hard, you save hard, you go back to the bank the following year (in which time property prices have gone up), and they say…

“Sorry!
You don’t qualify for a mortgage right now.
Come back next year.”

The banks like to say they’ll give anyone a mortgage, but that simply isn’t true. You might have been turned down for any number of reasons…

• Your deposit is too small
• Your income is too small
• Your out-goings are too large
• Your credit record is damaged
• You have no credit record at all
• You’re self-employed
• You have just arrived in the UK to work

And the worst of it is – the bank doesn’t have to give you their reasons at all! They just say to you…

“Sorry!
You don’t qualify for a mortgage right now.
Come back next year.”

Which means you are stuck in rented accommodation with little security, no sense of ownership, no obvious way to ‘break in’ to the property market, as you watch those around you make money every year their homes go up in value.

How Does Rent Now, Buy Later Work?

Very simply, you move into a property as a tenant, and you immediately start buying it from us, bit by bit.

We fix the price at today’s market value, and you have the right to buy it in full from us at any time to suit you in the next year or two. This gives you plenty of time to…

• Fix whatever it is that’s stopping you from getting a mortgage – we can help you with this
• Build up equity in the property, simply as the value of the property rises
• Build up equity by making improvements, if you so wish
• Build up your deposit over time 

There are five easy steps.

STEP 1

We take you through a simple qualification process. Unlike the banks, we DON’T profess to take everyone! You must demonstrate that you’ve been saving for your own home, that you can afford the monthly payments we agree upon, and that you’re as sure as you can be that you want to be a home owner.

Take your first step to home ownership - .

STEP 2

Once you’ve been accepted, and you decide on a property, then we will set up a standard tenancy agreement, for a market rent.

STEP 3

We will also set up a “lease option” agreement. This gives you the right, but not the obligation, to buy the property at any time over the next one or two years for the market price as it is today. You pay a deposit, as normal (though not as much as the banks demand!) that goes towards your purchase of the property, and you move in.

STEP 4

Within that agreement, you commit to paying us an extra, pre-agreed payment alongside the rent. Every single one of these payments is added onto the deposit you pay at the outset, so month by month, you are paying towards your eventual full ownership of the property.

STEP 5

When the time is right for you, you apply for a mortgage, take up your option to buy the property at the price we agreed, and you become the full owner of your home. We can even help you ensure that you will be accepted for a mortgage by the time you come to apply.

At every step of the way you will be using your solicitor (or we can recommend one to you), just as you would in a standard home purchase.

How Can I Become a Home Owner Through Rent Now, Buy Later?

All you need to do is and fill out the form. One of our friendly specialists will then contact you within a day or two to say ‘Hello’, find out a bit more about you, and talk to you about the properties we have available right now.

Then we’ll take it from there.