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What is affordable housing?

Affordable housing is just like any other housing except that it is bought or rented at below the market price. It is for people who live and work in the local area.

The demand for homes and second homes has pushed prices up. The wages in this area do not match the high price of property and land. We therefore work with Developers and Housing Associations to provide affordable homes to help people stay in the area.

How it works

When a property scheme is in the planning and development stage, the eligibility criteria for the affordable housing provision is determined and set out in a legal document called a 'Section 106 Agreement'. This Agreement remains attached to the property for it's lifetime.

Different types of affordable housing to buy

Affordable housing: renting will tell you more about how you can access homes at lower than market rents.

Low cost home ownership

Who is eligible

The eligibility criteria varies from property to property but generally, you should either:

  • live locally and have lived in the area of the property concerned for at least three years
  • be working in the area of the property concerned and have a permanent position of over 16 hours per week

Additionally, you must be in housing need, this includes being unable to afford to buy or rent on the open market.

Affordable housing is not for those wishing to rent it out or have it as a holiday let or second home. It must be your only or principal home.

How we assess housing need

Whether you are in housing need will depend upon your income and other funds available to you such as; savings, potential of a mortgage, equity in any property you own, family gift etc.

We then compare your figures with a table of property prices carefully compiled by the council from independent property surveyors. This helps us decide if you can afford to buy or rent on the open market. If you cannot, you would qualify as being in housing need.

How to apply

Once you have found a property you wish to buy you can apply for affordable Housing.