You have a gross household income of no more than £80,000 per annum.
You are unable to purchase a suitable home to meet your housing needs on the open market.
You do not already own a home or you will have sold your current home before you purchase or rent.
You have an income less than £ 80000
Priority for these homes is as follows:
A) Households awarded priority for Help to Buy under any relevant government policy or guidance and capital funding criteria in place at the time of sale/re-sale (for example serving military personnel and former members of the British Armed Forces honourably discharged in the last two years).
B) Local connection
Top priority will be given to households with a local connection to Larkfield ward and Aylesford and Ditton ward(use website to check if postcode is in the ward:Seat Explorer (electoralcalculus.co.uk).
Definition of local connection in the Affordable Home Ownership Discount Sale Policy:
currently live in the borough and have lived here for at least the last 12 months or 3 of the last 5 years; or
are permanently employed (full time or part time) in the borough, or need to move into our borough in order to take up an offer of permanent employment; or
have close family members (parent, step-parents, brothers/sisters including step siblings, adult children (aged over 18) and grandparents who currently live in the borough and have lived here for at least the last five years; or
are a serving member of the Regular Forces or a former member within five years of discharge (or a bereaved spouse or civil partner of such a member), or a serving or former member of the Reserve Forces who needs to move because of a serious injury, medical condition or disability sustained as a result of their service; or
have some other special reason for needing to reside in the borough, for example you: are currently residing outside the borough but are fleeing violence or harassment (including hate crime); or are currently residing outside the borough but need to move into the borough in order to provide or receive significant and ongoing care or support to or from a close family member (as listed above); or have no local connection to any local authority area.
Permanent employment can be full or part time (minimum of 16 hours per week contracted) employment. Temporary employment, sub-contract work for a locally based company and training or education are not included. Self-employment will need to be evidenced and based on the address that the company is registered.
In order to satisfy the eligibility criteria you will need to provide evidence of the following:
Your local connection, as defined above: proof of your residence in the borough or employment. This can be evidenced by providing copies of tenancy agreements, Council Tax bills in your name for the relevant period, copy of letter showing registered on electoral role, copy of your contract of employment or other formal confirmation of employment or offer of employment.
Secondary priority will then be given to households with a local connection to the rest of the Borough of Tonbridge and Malling. In cases where demand outweighs supply, households with a local connection will be given priority. Interest in homes will be processed on a first come first served basis.
Homes will then be allocated based on a first-come-first-served basis determined by the date that we received your completed application form on moathomes.co.uk. Please read our sales policy for further details.
NEW COLLECTION COMING EARLY 2025| Register your interest now!
You have a gross household income of no more than £80,000 per annum.
You are unable to purchase a suitable home to meet your housing needs on the open market.
You do not already own a home or you will have sold your current home before you purchase or rent.
You have an income less than £ 80000
Priority for these homes is as follows:
A) Households awarded priority for Help to Buy under any relevant government policy or guidance and capital funding criteria in place at the time of sale/re-sale (for example serving military personnel and former members of the British Armed Forces honourably discharged in the last two years).
B) Local connection
Top priority will be given to households with a local connection to Larkfield ward and Aylesford and Ditton ward(use website to check if postcode is in the ward: Seat Explorer (electoralcalculus.co.uk).
Definition of local connection in theAffordable Home Ownership Discount Sale Policy:
currently live in the borough and have lived here for at least the last 12 months or 3 of the last 5 years; or
are permanently employed (full time or part time) in the borough, or need to move into our borough in order to take up an offer of permanent employment; or
have close family members (parent, step-parents, brothers/sisters including step siblings, adult children (aged over 18) and grandparents who currently live in the borough and have lived here for at least the last five years; or
are a serving member of the Regular Forces or a former member within five years of discharge (or a bereaved spouse or civil partner of such a member), or a serving or former member of the Reserve Forces who needs to move because of a serious injury, medical condition or disability sustained as a result of their service; or
have some other special reason for needing to reside in the borough, for example you: are currently residing outside the borough but are fleeing violence or harassment (including hate crime); or are currently residing outside the borough but need to move into the borough in order to provide or receive significant and ongoing care or support to or from a close family member (as listed above); or have no local connection to any local authority area
Permanent employment can be full or part time (minimum of 16 hours per week contracted) employment. Temporary employment, sub-contract work for a locally based company and training or education are not included. Self-employment will need to be evidenced and based on the address that the company is registered.
In order to satisfy the eligibility criteria you will need to provide evidence of the following:
Your local connection, as defined above: proof of your residence in the borough or employment. This can be evidenced by providing copies of tenancy agreements, Council Tax bills in your name for the relevant period, copy of letter showing registered on electoral role, copy of your contract of employment or other formal confirmation of employment or offer of employment.
Secondary priority will then be given to households with a local connection to the rest of the Borough of Tonbridge and Malling. In cases where demand outweighs supply, households with a local connection will be given priority. Interest in homes will be processed on a first come first served basis.
Homes will then be allocated based on a first-come-first-served basis determined by the date that we received your completed application form on moathomes.co.uk. Please read our sales policy for further details.
NEW COLLECTION COMING EARLY 2025| Register your interest now!
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Shared Ownership Resale
Shared Ownership Resales: Also known as part buy part rent on second hand homes, with this affordable home ownership scheme you purchase a share of the property and rent the remainder from the housing provider.
Shared Ownership New Build
Shared Ownership New Build: Also known as part buy part rent, with this affordable home ownership scheme you purchase a share of a brand new property and rent the remainder from the housing provider. The price shows the minimum share available, and the size of the share you purchase will depend on what you can afford.
Intermediate Rent
Affordable housing scheme: Intermediate Rent (pay a discounted rent)
Rent to Save
Affordable housing scheme: Rent to Save (pay a discounted rent).
Rent to save is designed to enable aspiring home-owners to move into the home they have chosen, even if they have not yet been able to save a sufficient mortgage deposit. As the rent will be at a lower than market rate, you will be able to save throughout the period of your tenancy.
For people aged 55 or over who are otherwise unable to afford to buy a home suitable to their needs. The scheme is similar to Shared Ownership and enables you to buy a share of 10-75% of the home or apartment.
Your Home
Affordable housing scheme: Your Home
Turn any freehold property into part-buy-part-rent with Your Home. You simply need 10% cash deposit on the full purchase price, there’s no need for a mortgage and you can buy more or move at any time plus added benefits. To find out more contact Heylo via the property page
Discount Market Sale
Affordable housing scheme: Discount Market Sale
Discount Market Sale (DMS) is a low cost home ownership product where a new build property is purchased at a discounted price. This discount is usually around 20% and the scheme is to help low and middle earners get onto the property ladder.
Help to Buy
Affordable housing scheme: Help to Buy equity loans (100% ownership but with a 20% equity loan)
Buy a new home on an approved new build development with assistance from the Government in the form of an equity loan. The equity loan is interest free for the first five years.
Shared Equity
Affordable housing scheme: Shared equity (100% ownership with a 50% – 75 % equity loan).
Buy a new home on an approved new build development with assistance from the housing provider in the form of an equity loan. The equity loan is interest and rent free.
Discount Full Ownership
Affordable housing scheme: Discount Full Ownership (100% ownership at a discount)
London Help to Buy
Affordable Housing Scheme: London Help to Buy equity loan (100% ownership with up to 40% loan)
Borrow up to 40% of the purchase price from the Government with the London Help to Buy scheme. You would only need a 5% deposit and your mortgage would make up the rest.
London Living Rent
London Living Rent is a type of affordable housing for middle-income Londoners. These homes offer lower rents, with the saving on the rent aimed to help you ave towards a deposit for your own home.
First Homes
First Homes is a scheme designed to help local first time buyers and key workers onto the property ladder, by offering homes at a discount of 30% compared to the market price. In some areas the discount could be as high as 50%.
Deposit Unlock
Deposit Unlock is a private scheme that allows you to buy a new-build home from participating home builders with just a 5% deposit. It’s been developed by the Home Builders Federation, with lenders and the house building industry.
Discount Market Rent
Affordable housing scheme: Discount Market Rent (pay a discounted rent)
Rent to Buy
Affordable housing scheme: Rent to Buy (pay a discounted rent).
Rent to Buy is designed to enable aspiring home-owners to rent a new-build home on an Intermediate Rent basis. The home will be let at up to 80% of the equivalent market rent, with a fixed rate of inflation, designed to help you save throughout the period of your tenancy.
Older Person Shared Ownership Resale
Affordable housing scheme: Older Persons Shared Ownership
For people aged 55 or over who are otherwise unable to afford to buy a home suitable to their needs. The scheme is similar to Shared Ownership and enables you to buy a share of 10-75% of the home or apartment.