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How it works

From choosing a home to the first rent payment, and who does what along the way.

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You buy a home, and as you complete, its 25-year lease with a registered housing provider is signed too. The provider runs it and pays you rent every month, and a care provider supports the people who live there.

We work with private buyers and landlords who want a long lease and a home someone else runs. We find the homes, check the lease and the provider, and stay with you until you complete. Purchases are cash only for now, with prices from £144,000.

We don’t give financial, tax or legal advice. Your own solicitor checks every home before you commit, and you should take independent advice.

Modern apartment blocks beside a river footbridge.

The lease is signed as you complete.

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What we look for

Ordinary homes, run well

Before we list a home, it has to pass three tests.

A bright self-contained studio.

Adapted, not institutional

Wide doors, level access and room to move, in a home that looks like any other on the street.

A long lease

A 25-year lease, with a provider registered with the Regulator of Social Housing.

A converted office building, now flats.

Where it’s needed

Homes in places where the council has said it needs supported housing.

A property specialist on a phone call.

Step by step

From first call to completion

  1. 1

    You ask

    We reply within one working day and talk through what you’re looking for.

  2. 2

    You choose a home

    Each home has a factsheet: provider, lease, rent and asking price.

  3. 3

    Your solicitor checks it

    The lease, the provider and the title, before you commit to anything.

  4. 4

    You exchange and complete

    Usually four to eight weeks from reserving. The lease with the provider is signed as you complete.

  5. 5

    Rent comes to you every month

    The Department for Work and Pensions pays the housing provider, and the provider pays you under the lease. The rent depends on the provider paying it.

Questions to ask before you buy

Who is the housing provider?

Check it is registered with the Regulator of Social Housing, and read its latest grading on GOV.UK. G1 or G2 for governance and V1 or V2 for finances are the regulator’s compliant grades.

How long is the lease, and how is the rent reviewed?

The leases on our homes run for 25 years, and the rent rises each year by CPI plus 1%. Your solicitor should confirm both in the lease, and whether the review is capped.

Who repairs and insures the home?

In a full repairing and insuring lease, the provider pays for repairs and insurance. If a lease is not on those terms, find out which costs stay with you.

What happens if the provider fails?

Usually nothing protects the rent itself. If the provider fails, the rent can stop, and the home may earn nothing until another provider takes it on. Your solicitor should check what the lease says.

Can you sell with the lease in place?

Yes. A leased home is usually sold to another buyer with the lease in place. The price depends on the rent, the years left on the lease and the provider’s standing, and a sale can take months.

Have you taken independent advice?

We don’t give financial, tax or legal advice. Take advice from a solicitor and an independent financial adviser before you commit.

A couple looking at a floor plan with a property specialist.

Talk it through with a specialist

However far along you are, we’ll take you through the homes and the leases.

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A couple looking at a floor plan with a property specialist.