How it works
We understand that owning your own home can sometimes feel out of reach. That’s why we help you to become a homeowner.
Check what you can afford
Use our calculator to find out what home you could afford.
- Enter your household income.
- Get the estimated value of the home you could afford.
- Understand your expected monthly payment.
Choose your home
Browse our partner housebuilders to find your perfect home in your preferred location.
- Brand new, energy-efficient homes.
- No mortgage deposit required upfront.
- Choose the home you want to own from the start.
Apply for our help to buy
Let the housebuilder know you’d like to use Own Homes, then complete your application with us.
- The purchase price of your home is fixed from day one.
- Once approved, you pay one monthly payment and an admin fee to reserve your home.
- Construction begins and you can track your home’s progress in our app.
Your journey from renting to owning
A clear and easy way into homeownership with help along the way.
Rent your new home
We’re here to support you every step of the way.
- Enjoy long-term security living in your new home.
- Pay a fixed amount each month.
- Live in the home you plan to own from day one.
Save while you rent
Each month, part of your monthly payment helps you build your mortgage deposit.
- Automatically build your deposit.
- Boost your deposit with extra payments - family and friends can help too.
- Track your progress in our app and how close you are to owning your home.
Own when you're ready
Your payment plan is designed to help you reach your deposit target within five years.
- Use your savings as your deposit for a mortgage.
- Choose a mortgage from any lender.
- Complete the purchase and own your home.
