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new cardiff > ENG > Resident > Housing > Assisted Home Ownership

Are you eligible

To be eligible for the scheme you must:
  • be a first time buyer*.
  • be over 18 years old.
  • have lived and / or worked in Cardiff for at least the last 6 months.
  • be a UK or EU/EEA passport holder or have ‘Indefinite Leave to Remain’ stamped on your passport.
  • be able to meet the long-term financial commitment of home ownership.
If you are leaving the armed forces you can only apply if you lived in Cardiff for at least 6 months immediately before you joined up.
*You must not have, nor have had any financial interest in a property and this includes your name being on any mortgage or title deeds. However, we may consider you if you have previously owned with a partner but had to sell your property as a result of a relationship breakdown or divorce.
The scheme is not available to those who:

  • are not UK or EU/EEA passport holders or have ‘Indefinite Leave to Remain’ stamped on their passport;
  • have financial interest in the property;
  • have benefited from any low cost home ownership scheme in the past;
  • can afford 100% of the price of a property suitable for their needs;
  • are tenants of Cardiff council or housing association who are in rent arrears or breach of their tenancy agreement.