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Sorry, but based on what you’ve told us it’s unlikely the Co-Ownership is currently an option. You may seek further advice with the Money Advice Service.
Your credit file may impact your eligibility for Co-Ownership products. Have you or any joint applicants had any of the following credit issues?
- Home credit or payday loans
- Debt management plan
- Debt relief order
- Default
- Bankruptcy
- Individual Voluntary Arrangement
- Voluntary Arrangement
- Money judgements
Rent to Own is a potential route to home ownership
To be able to get a home through Rent to Own please be aware that your credit file should not show that you or any joint applicant has:
- Home credit or payday loans in the last 6 months
- Defaults in the last 3 months
- Debt management plan completed less than 3 years ago
- Debt relief order completed less than 3 years ago
- Bankruptcy discharged less than 3 years ago
- Individual Voluntary Arrangement discharged less than 3 years ago
- Voluntary arrangement discharged less than 3 years ago
- Money judgements discharged less than 3 years ago
If you have then you will need to wait before applying for Rent to Own. In the meantime it might be helpful for you to visit Money Advice Service and perhaps review your credit file.
Rent to Own Learn More
Co-Own is a potential route to home ownership
To be able to get a home through Co-Own please be aware that your credit file should not show that you or any joint applicant has:
- Home credit or payday loans in the last 12 months
- Debt relief order completed less than 6 years ago
- Bankruptcy discharged less than 6 years ago
- Individual Voluntary Arrangement discharged less than 6 years ago
If you have then you will either need to wait before applying for Co-Own or perhaps consider Rent to Own. In the meantime it might be helpful for you to visit Money Advice Service and perhaps review your credit file.
Co-Own Learn More
