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Home Ownership: Qualifying Criteria

To ensure that you have sufficient income to make your mortgage payments this opportunity is only open to you if you’re on High or Middle Rate Care Disability Living Allowance (DLA). We also insist on a number of other qualifying criteria. You must be:

  • 18-80 years old with a clean credit history and no outstanding debts.
  • Unable to work in conventional employment (please note that this is only applicable to people of up to the age of 60)
  • Able to prove your mental capacity or have Court of Protection in place.
  • Ideally looking to live on their own, but can share with caution!
  • In possession or in the process of securing of a suitable Care & Support package confirmed by your Social Worker.
  • Able to put down a deposit and pay fees associated with buying their new home – this costs c. £10,000 (this includes a 5% deposit on the share of the property PLUS getting them ready for home ownership and ensuring it’s sustainable) This could be more based on the purchase price and the deposit required by the lender. They must also be able to contribute to their housing costs of c. £30 per week.

If you meet these criteria and are interested in exploring home ownership call us today on 08000 121333 to see if you may be eligible!

To find out more about the process involved in buying a home using this scheme please download a copy of a comprehensive MySafeHome Guide to Buying a Home of Your Own.

Download MySafeHome guide to buying your own home (.pdf)

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