Before you apply

Before you apply please check your eligibility against the criteria outlined in the 'Am I Eligible' pdf document (141kb) or request a copy of this leaflet from Moat on 07002 662846

How to apply

If you decide to apply, the easiest way to do this is through www.homebuy.co.uk. The online process should take around 20 to 25 minutes provided you have easy access to your income, expenditure, loans, etc. Please complete all the information you are requested to. If you apply online you should receive an email acknowledging receipt of your online application after you submit it.

Alternatively call Moat for an application form and one will be put in the post to you.

If you are interested in a specific development, please always remember to include the name of the development on your application so that it can be fast-tracked.

What happens next?

Once Moat receives your application, an initial evaluation is carried out based on household need, financial affordability and other criteria.  They then write and confirm whether your application has been accepted on to their database of applicants or not. This does not mean that you will be offered a property, or a HomeBuy loan, but they will try to help.

After this step, Moat teams and those within other housing associations will try to match your application to the best possible housing option, and they will contact you with more details.  This can take some time because many more applications are received than the number of homes, or loans, that can be provided.

You will be sent information promoting New Build and Resales properties, where these match your requirements.

If you are purchasing a new home and it is ready and available, your application can be fast-tracked so that you move in within as short a time scale as possible, usually six weeks from the date you reserve the property to the date of completion.

Please do not make an offer on a property, or confirm a mortgage offer, or part with any money before you have clear confirmation in writing that you may proceed.

Please be aware that the market value of properties can go down as well as up.

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.