Products and options 

HomeBuy provides a wide range of options to suit individual needs and affordability.  A summary of options are below. 


New Build HomeBuy

This option offers brand new homes for sale on a part buy / part rent basis.

You can buy shares worth between 25% and 75% the property’s market value and you pay a subsidised rent on the remaining share. You may need to raise a mortgage to purchase your share. If you have a large deposit or equity from the sale of a property, this can also be used towards purchasing your share.

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Click here for part buy/part rent new developments


Resales

When an existing part buy / part rent home becomes available for resale, you can buy the share from its current owner. The homes vary greatly in terms of age, size, type and condition.

You can buy shares between 25% and 75% of the property’s market value and you pay a subsidised rent on the remaining share.

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Click here for part buy/part rent properties


HomeBuy Direct

This option is offered by private developers on selected new homes.

You buy a minimum of 70% of the market value of a property. An equity loan of up to 30% is provided to assist your purchase. There are no payments on the loan for the first five years. After five years there is a fee of 1.75%, which increases annually in line with inflation.

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New Build Discounted Rent

Also known as intermediate rent, this option offers new build homes to rent at 80% (or less) of typical market rents.

A limited number of homes are available on assured shorthold tenancies, usually for an initial period of six months. This timescale is reviewed regularly.

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Social HomeBuy

This option offers Moat tenants the opportunity to buy a share in their rented home.

Moat tenants can purchase a minimum initial share of 25% of the home. The remaining un-owned equity is retained by Moat as your landlord. Moat then charges you an affordable rent on the un-owned equity. It is possible for you to purchase 100% of the property.

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Am I eligible for HomeBuy?

Please click here to find out.





Your home is at risk if you do not keep up rent and mortgage repayments or payments on other loans secured on it.

Please note the value of properties can go down as well as up.