Eligibility Guidelines
Can you apply for help from my4walls.org.uk?
Demand for affordable homes is high especially in areas where property is expensive.
So to share out homes and public funding fairly and responsibly, we have to be
clear about who we can help.
Applicants for New Build HomeBuy, Open Market HomeBuy and Resales should:
-
have at least £2,500 to cover the costs of buying a home, for example paying
for legal fees and stamp duty (charged on homes costing £120,000 or more)
-
have permanent employment – not temporary – or a fixed term contract
-
have a minimum annual income to qualify for a mortgage. This is usually £18,000
gross (single or joint) but could be lower or higher. Households with a single
or joint income of £60,000 per annum gross or over will not qualify for HomeBuy
schemes (however each application is assessed on its own merit)
-
have proof that they cannot afford to purchase a property on the open market to
meet their current housing needs without the help of my4walls or HomeBuy
-
be a housing association or council tenant or
-
be a key worker (see the list at the bottom of the page for the list of those
who may currently get help)
-
be a first time buyer working in the local area and contributing to the local
economy (you could be a construction, factory or shop worker for example) or
-
be a current home owner looking for a new home because a relationship has ended
or because of a house clearance project or displacement
-
show that you are not in mortgage or rent arrears or in breach of your current
tenancy agreement
-
be a British national citizen or have permanent leave to remain in the UK. People
from member states of the EU/European Economic Area may also apply if they are
currently living and working in the UK. A work permit is not proof.
-
be aged 18 or over and have a bank, Post Office or building society account.
Please note: people who already own a property that meets their current housing need cannot
apply.
The Regional Housing Board for Yorkshire and Humberside have said they wish to
help people who are:
- social tenants, people on the housing waiting list and public sector key workers
(see the list of key workers below)
- first time buyers unable to buy a home without help, former home-owners, owner-occupiers
who are splitting up or who are affected by clearance schemes.
Key workers who may currently get help include:
Clinical NHS staff (with the exception of doctors and dentists);
Teachers and nursery nurses in schools and further education/sixth form colleges;
Police officers, Community Support Officers and some civilian staff;
Prison Service staff in certain prisons
Firefighters and other uniformed staff below principal level in Fire and Rescue
Services.
Regular armed service personnel (i.e. regular service personnel, including Military
Provost Guard Service, in the Navy, Army and Air Force);MoD Police Officers; and
Uniformed staff in the
Defence Fire Service
Probation Service staff;
Social workers, nursery nurses, educational psychologists, and therapists (e.g.
occupational therapists) employed by local authorities, CAFCASS or the NHS;
Local Authority Planners
Connexions Personal Advisors employed by a local authority or a Connexions Partnership.
Qualified Environmental Health Officers/Practitioners who work in a local authority,
government agency, NHS or other public sector agencies
Highways Agency Traffic Officer staff in safety critical roles within the Traffic
Officer Service
