Can I afford to buy?

If you’re looking to buy through either Shared Ownership or Equity Loan home, the amount you can borrow for your mortgage will be determined by a number of key factors such as earnings and how much you have saved for a deposit.


As a prospective Plumlife buyer, we can offer you free, impartial mortgage advice to help you with your finances via our panel of Independent Mortgage Advisor (IFA) to help you.  Our carefully selected network if IFAs are expert in the affordable homes sector.

To apply for either Shared Ownership or Equity Loan you will need to contact your local Help to Buy Agency who will carry out an assessment of your application, using Government-approved affordability / eligibility checks. 

Once your application has been aproved, you will be in a position to reserve the home of your choice with the developer - be that be Plumlife, another housing association or a private developer.

You can find out who your local Help to Buy Agency is by visiting:

The Money Advice Service

​You can also get free, unbiased, independent financial advice via The Money Advice Service. 

The Money Advice Service is an independent government-backed service which provides impartial financial guidance, so it won’t recommend any particular products or try to sell you anything. ​​​​​​​​​​​​​​​​