tenant2owner
    Find your path

    Where are you on your journey?

    Select what best describes you. We'll point you to the right resources.

    New to all of this? Read our step-by-step guide to buying a house in the UK, or browse every guide in one place.

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    I'm New to Homebuying

    No experience needed. We'll walk you through everything.

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    I Have No Deposit Saved

    There are more options than you think.

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    I Have Irregular or Unusual Employment

    It's not about how you earn: it's about what you can prove.

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    I'm a Key Worker

    NHS, teachers, police, forces, care, local authority.

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    I'm a Council Tenant

    You may already have a route to ownership.

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    I'm Disabled or Have a Long-Term Condition

    Homeownership is for everyone.

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    I'm in the Military

    Serving your country? There's help for you too.

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    I'm 55 Years or Older

    Older Persons Shared Ownership and routes built for your stage.

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    Buying Schemes & Pathways

    Shared Ownership, First Homes, Right to Buy, rent-to-own and more.

    Compare schemes

    I Have Some Idea Already

    Great, let's build on what you know and dive straight in.

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    Myth busters

    Myth

    You need at least a 20% deposit to buy a home

    Fact

    You don't need a big deposit to buy a home. A small number of lenders offer 100% mortgages to borrowers who meet specific criteria, and 5% deposit options and government schemes are more widely available.

    Myth

    Bad credit means you can never get a mortgage

    Fact

    While good credit helps, specialist lenders work with people who have credit issues. The key is understanding what lenders look for.

    Myth

    Self-employed people can't get mortgages

    Fact

    Self-employed mortgages are common, you just need the right documentation and often work with specialist brokers.

    Myth

    First-time buyers always pay more than experienced buyers

    Fact

    First-time buyers often get better deals through government schemes, stamp duty relief, and lender incentives.

    Myth

    Renting is always throwing money away

    Fact

    Renting gives you flexibility and time to prepare properly. Rushing into buying unprepared can cost far more than renting smartly.

    See all myths