Steady income, small deposit
You afford your rent comfortably, but saving a deposit while you rent feels like it will take forever.
Your route from renting to owning
Rent the home you hope to buy. Make it yours, save towards your deposit in your own account, get mortgage ready with expert support, and buy at a price agreed on the day you move in.
Supporting future homeowners from King's Lynn to Ipswich
Turned down for a mortgage? There's another route
Lots of people with good, steady incomes can't get a mortgage yet. Perhaps you're self-employed, new in your job, rebuilding your credit or still saving a deposit while paying rent.
Often the answer from a lender isn't no. It's not yet. Future Homeowner gives you that time. You move into the home you want to buy, make it yours, and work towards buying it at your own pace.
Because everyone deserves a place to call home.
How it works
Five steps from renting to owning
- Register and talk to usA short form and a free, friendly call about where you are now.
- Get a mortgage-ready planAn independent mortgage broker looks at what needs to change and how long it might take.
- Choose your homeRent it on an assured periodic tenancy, and sign a separate option to purchase agreement to buy it at an agreed price.
- Live there and saveMake it your home, and save towards your deposit in your own account.
- Buy when you're readyWhen your mortgage is in place, you buy at the price agreed for that year.
Who it could suit
For people who are nearly there
We work with people who are financially stable but not quite mortgage ready today. Something is holding you back for now, not for good.
Not mortgage ready yet
Self-employed with under two years of accounts, new in your job, new to the UK or rebuilding your credit after past problems.
Ready to put down roots
You want a home to settle into, decorate and make your own, rather than moving every year or two.
You might be
You'll need a stable income, rent you can afford comfortably, a real wish to buy and a realistic route to a mortgage in the future. If a mortgage isn't realistic for you, we'll tell you honestly.
Honest from the start
No surprises, no pressure
Buying a home is a big decision, so we'll be clear about everything before you commit to anything.
- Registering is free and doesn't commit you to anything.
- Your savings are always yours. They stay in your own account. We never hold them or take them.
- You're never obliged to buy. The option to buy is a right, not a duty.
- Realistic monthly payments. Market rent, never inflated, so you can save and stay on track to become mortgage ready.
- Before you sign anything, we'll set out in writing exactly how it works, every cost and the risks.
- We'll encourage you to take independent legal advice, and give you time to think it over.
- Not everyone will be suitable, and owning the home isn't guaranteed. We'll tell you honestly if we don't think it's right for you.
Register your interest
Be the first to hear when we launch
Tell us a little about yourself and where you'd like to live. We'll be in touch when Future Homeowner opens in your area.
We'll only use your details to contact you about Future Homeowner. You can ask us to delete them at any time.