With estate agents now juggling an average of 33 homes for sale—up from 29 a year ago—sellers face fierce competition and cautious buyers amid high interest rates and new working patterns. Your Home, a gradual homeownership scheme, offers agents a way to unlock sales by expanding the pool of eligible buyers and speeding up transactions.
Since 2016, over 1,200 agents have listed more than 1,000 properties through Your Home. The programme converts any freehold home (up to £650,000) into a flexible purchase: buyers secure a minimum 25% deposit, then rent the remaining share under a 999-year lease, with the option to “staircase” to full ownership over time.
Agent Benefits
- Broader audience: Enables buyers with large deposits but limited mortgages—downsizers, divorcing couples, renters, or those seeking Sharia-compliant options—to qualify.
- Faster sales: Your Home acts as a cash buyer, removing chain delays and delivering offers quickly.
- Commission boost: Agents earn a £500 referral fee per completed sale (or £100 if the buyer completes elsewhere).
“The Your Home product is continuing to revolutionise the market, not only for buyers, but for estate agents who are experiencing the benefits of selling with our gradual homeownership product. We understand how important it is for our customers to find their ideal home, and through partnering with estate agents across the country, we’re reaching a vast number of buyers who are able to purchase more than they thought possible, and without needing a mortgage. It’s a hugely beneficial tool for estate agents helping to increase the pool of buyers who can buy a particular property. This can be especially helpful in today’s sticky market.”
— Agnieszka Skowronek, Head of Your Home
Buyer Advantages
- Increased affordability: Buyers can target higher-value properties by leveraging rental payments on the unsold share.
- Full flexibility: Staircasing allows incremental share purchases until full ownership, and buyers can sell their share at any time.
- Sharia compliance: Certified by the Islamic Council of Europe, offering an alternative to interest-based mortgages.
Agents interested in listing homes through Your Home can find more details at Your Home for Estate Agents.
