Welcome

Having a disability (excluding you from paid employment) should never stand in the way of having your own home or living the kind of life you really want to lead. These simple beliefs lie at the heart of everything we do.

Making them happen might seem like an impossible dream but it isn't. We really do know how to turn hopes into homes and we've already helped over 1,500 people buy a property that they can truly call home for the rest of their life...

Click here to download our Guide To Buying A Home Of Your Own

Click here to download our Easy Read Guide To Buying A Home Of Your Own

To find out more about the process involved in buying a home please download a copy of one of our MySafeHome Guides to Buying a Home of Your Own or, if you'd prefer us to talk you through it, just email enquiries@mysafehome.info with your name, the best phone number for us to contact you on and the date and time you'd like us to call you and we'll confirm our availability.

Before completing one of our Pre Mortgage Application (PMA) Forms please call us on 02476 402211 if you haven’t already spoken with us to go through a few simple eligibility questions, otherwise you may be completing the form when you're not eligible. Please also carefully read all of the following:

• Buying a home using a specialist mortgage for people with disabilities can take 12-24 months, so if you have a housing crisis please solve this first by approaching your local council or MP, then consider HOLD (Home Ownership for people with Long-term Disabilities) or Shared Ownership for your longer-term housing solution.
• The maximum mortgage amount that we may be able to secure for you is £100,000. This is based on our lender’s affordability criteria.
• Based on this it may be possible for us to help you to buy a property valued at £250,000 from the open market (if HOLD’s available in your area) or £400,000 from a brand-new Shared Ownership development (if available in your area). If you want to buy a property for more than this you’ll need to provide the additional funds as these are government affordable home ownership models. Please note that we only arrange mortgages, we’re not a Housing Association, so please contact the relevant Housing Association/s to enquire about what’s available in your chosen area.
• In either scenario you’ll usually need a minimum of £15,000 to pay for your deposit (c. £10,000) and the fees (c. £5,000) associated with buying a home of your own. Our lenders currently require a 10% deposit (so, £10,000 based on a £100,000 mortgage) and an Experian credit report that is ‘good’ or better than ‘good’. Many first-time buyers who are in paid employment receive financial support from their families to buy a home, this is often the same for people who use our specialist mortgages for people with disabilities.
• Given that affordable homes are in very limited supply we’re unable to help applicants buy properties that are larger than they need, most of their homes will have no more than 2 bedrooms (a spare bedroom for a carer to stay overnight is normally acceptable). If you require a larger home we may not be able to arrange a mortgage for you (due to mortgage affordability), but other brokers or lenders may be able to help you.
• The Housing Association will confirm your search criteria if you want to buy a home from the open market but properties must be in good order and not require any significant renovation. They may have restrictions on the size and type of property too, so always check this with them.
• We’re regulated by the Financial Conduct Authority to arrange mortgages and it’s essential that you and your circle of support understand the commitments of the mortgage before completion of the lender’s application form. So if, after you’ve completed and submitted your PMA, you appear to be eligible for a mortgage we’ll need to meet/talk with you either online, face to face or by phone to ensure that you and/or your advocates/deputies fully understand the specialist mortgages that we arrange and that buying a home is something that you really want to do.

Please note that completing one of our Pre Mortgage Application Forms (PMA) takes time and effort with no guarantee of success, so if you’re not comfortable with this please consider an alternative housing option, broker or lender. We’re a mortgage broker and cannot guarantee you a mortgage. A mortgage can only be offered by a lender after you’ve completed their mortgage application and they’ve received the satisfactory evidence and documentation that they need.

Click here to complete a Pre Mortgage Application Form today

Don't need a mortgage to buy a Shared Ownership home? You'll still need our help.

If you have a disability but don't need a mortgage to buy a Shared Ownership property you'll still need to go through some comprehensive eligibility and affordability checks. We'll efficiently carry these out on your behalf before submitting them to the Housing Association/Developer that's selling the property you'd like to buy and then, once you're living in your new home, we'll also be on hand to help you to apply for, secure and, crucially, retain your housing related benefits.

To find out more call us on 02476 402211 or email enquiries@mysafehome.info

Looking for comprehensive support to help you or the person you care for plan and maintain their financial future too?

Click here to find out all about MySafeFuture