To apply for the HarperCrewe Rent to Buy scheme, simply complete our application form. Once submitted, we’ll review your details and confirm if you’re eligible to move into one of our Rent to Buy new builds. 

To qualify, you’ll need to show affordability for the 2.5% deposit, your monthly rent, and any additional costs such as stamp duty (if applicable) and your future mortgage. This makes sure you’re set up to move seamlessly from renting to owning your home.

If you don’t qualify for Rent to Buy, you can still purchase your new home with us through a traditional sale or explore other buying schemes we offer. 

No, being eligible for the Rent to Buy scheme is not an automatic guarantee of purchase. We’ll carefully review your documents and financial checks before confirming your place on the scheme.

We’ll ask you to provide standard financial documentation, like bank statements and proof of income. These help us assess whether the Rent to Buy scheme is the right fit for you.

You’ll only need a 2.5% deposit to move in. Over the first 6 months, your rent payments help you save the additional 2.5%, creating the full 5% deposit needed to complete your purchase.

Because Rent to Buy works like a stepping-stone to ownership, it’s important to stay on track. Missing more than one rent payment will end your agreement and any rent paid will be forfeited.

You can buy once your rent has accrued to the full 5% deposit, you’ve kept up with payments, and you’ve secured a mortgage offer. At this stage, your rented home becomes your own through our Rent to Own housing option. 

At the end of the 6-month renting period, your initial 2.5% deposit and rent savings combine to form a 5% deposit. You then complete the purchase of your new build home with a mortgage. 

Rent to Buy is a government-backed scheme that lets you move into a brand-new home with a smaller deposit. Instead of saving for years, you rent for a short period while building up your deposit, then purchase the home at the end of the term. 

You start with a 2.5% deposit, move into your new build home, and rent it for 6 months. During that time, your rent payments contribute towards building the full 5% deposit. At the end, you secure a mortgage and own your home. 

Rent to Buy and Rent to Own housing both describe the same scheme, where you rent your home for a set period before completing the purchase. It’s an affordable way to step onto the property ladder.