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  • People are fed up with renting and throwing hard earned cash down the drain.
  • People have money saved for a deposit, but it’s not enough to get a mortgage on the place they want to buy.
  • HOP is a new way to buy a home that makes it possible to get on the property ladder with just 10% deposit.
  • And the monthly cost could be less than renting.

HOP is not a mortgage lender,
but a long-term investor
alongside the buyer

How do we do it?

  • With HOP a buyer only needs 10% deposit in the value of the home. HOP invests the rest.
  • So, on day one, the buyer owns 10% - or more if they choose - and HOP owns the balance.
  • In return, for the first year, the buyer pays HOP 5% of this balance, which can work out at less than rent. This increases each year at just 0.5% above inflation.
  • If the value of the property goes up, the buyer gets the growth in value on their share and at least a quarter of the growth in value of HOP’s share.

Important Notice

The information contained in this document is for general information purposes only. Home Owning Partnership (HOP), is a product being developed by Mill Group Limited, a company registered in the UK number 06735296. HOP is a new and evolving product whose terms may change over time. The terms of any investment opportunity will be published when such an opportunity is made available and no reliance should be placed on the information in this document. The investment and services offered by HOP may not be suitable for all investors. If you have any doubts about the merits of an investment, you should seek advice from an independent advisor.

Why housing?

  • Produces liability matching investments to underpin stable long-term returns.
  • Helps meet important public policy objectives, addressing the UK’s housing shortage and provides affordable housing.
  • Government support for the Shared Ownership approach in the Housing White Paper.
  • Complementing Government Schemes including Help To Buy and Housing Association led Shared Ownership.
  • Register Interest

Investment summary

  • Housing to play an important part in Pension Investment Portfolios.
  • Enormous potential to invest indirectly into UK housing at scale – open to all individuals.
  • Residential asset backed exposure and house price inflation upside sharing.
  • Immediately yielding Index linked investments set at 4.5% after costs.
  • Long term investor return in excess of 6%.

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