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A new way to buy a property without a mortgage

  • Is getting a mortgage to buy a place you want a problem?
  • You have enough saved for a deposit and you could afford mortgage payments
  • But you can't find a lender who will provide a big enough mortgage
  • Or maybe you do not qualify because you are self-employed or new to the UK
  • HOP is a new way to buy a property that makes it possible to finance the home you want without a mortgage
  • Buy with HOP and you can have your new home now
How HOP can make owning your home possible
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You choose your home

You can live where you want, for as long as you want. If the home you choose is a sound prospect, HOP will buy it alongside you.

No need for a mortgage

If you can’t get a big enough mortgage or a mortgage at all, despite having a deposit and enough income to meet payments, HOP will invest up to 6 times your income.

No need to save a big deposit

You only need to have saved 10% of the property’s value in order to buy it with HOP.

You could reduce your monthly costs

Your HOP Payment could be less than it would cost to rent the very same home.

Payments Calculator

You can make your place your own

Unlike renting, you are free to decorate and improve as you wish.

You get more than your share of any increase in the value of your home

You put in at least 10% of the purchase price, so on day one your share in the growth is 10%. The next year you get an extra 25% from the entire home’s value growth, not just your share. In following years you get an extra 2% of the growth. This is all on top of your 10%!

Share Calculator

You can increase your share up to 100%

You can buy a larger share of the property any time you want, all the way up to 100%. The larger your share, the lower your HOP Payments will be.

You can sell at any time

You are free to sell at any time and will benefit from an increase in the value of the whole home, not just your share.

Your exposure to any loss of value is less than a mortgage

Should the value of the home decrease over the time that you live there, HOP shares in the value loss too, in proportion to the share it holds of the property.

Find the answers to all of the most asked questions in our FAQs