(‘HOME’) is a new, proptech financial operation which will manage for institutional investors (‘Investors’) the purchase of thousands of units of existing freehold housing stock, as well as new-build freehold homes, across England and Wales.

HOME will be an FCA-authorised and regulated firm based in the UK: a new sterling investment class with protected upside exposure to the nationwide residential property market, generating projected, inflation-adjusted IRR Investor returns.

HOME will construct for each Investor a segregated portfolio – a special purpose vehicle (‘SPV’) containing diversified properties, which will see qualifying applicants (‘Residents’) move in and rent the properties under a long-term contract.

Each bespoke, registered HOME Bond serves as:
1) a rental contract for the Resident,
2) an exclusive option to the Resident to purchase the property at some point in the future, without the risk of being gazumped,
3) a mechanism for the Resident to share in any house price appreciation that may occur while they are renting.

Qualifying HOME applicants will have undergone an income affordability test, including confirmation of holding a security deposit.
Each property will have been house-hunted by the Resident and presented to HOME, for purchase in the name of a specific Investor’s segregated portfolio. Upon property contract closing, the new Resident will immediately move in.
When the Resident eventually decides to purchase the property, the security deposit can contribute to the property purchase cost.
In line with HOME’s ESG credentials, any environmental upgrades required by a HOME property will be carried out within the first three years, following the purchase of the property.

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