Frequently asked questions
In this section you will find answers to lots of frequently asked questions (FAQs). If you cannot find the answer you are looking for, please contact us.
Select a category from the list on the left or search by using a keyword. For example, to find all the questions and answers we have relating to rent, type 'rent' in to the search box on the top right of this page.
Can I buy my home with cash or do I have to have a mortgage?
It’s up to you how you fund the purchase, whether by cash or mortgage. However, we will ask you to declare how you intend to fund the purchase. Large cash amounts are subject money laundering regulations and both your, and our, solicitors will carry out the relevant checks. We would strongly recommend that you seek professional financial advice before going ahead with the purchase.
You would need to discuss any specific funding issues directly with your lender. For example, if you wanted to use your discount as a deposit for a mortgage, or if you can borrow additional money to make improvements to your home.
If you have rent arrears you can still apply to buy your home. However, you must make any outstanding payments before completion.
- Right to Buy