What is a structured purchase?+
A fixed purchase price, a defined down payment, and an agreed period during which you live in the property and arrange long-term financing. The right to buy is yours, not an obligation. The mechanics are set out in full on the insights pages.
Do I need mortgage approval before I apply?+
No. A structured purchase exists precisely for buyers who are not lendable today: recently self-employed, newly arrived, or holding illiquid assets. We will tell you honestly whether a conventional mortgage is the better route, because for most people it is.
How much is the down payment?+
Typically 10% to 15% of the purchase price, set per property and disclosed in pounds and as a percentage before you commit. It is credited against the purchase price when you exercise the option, and it is at risk if you do not complete.
Can international buyers apply?+
Yes. Fixing the price in sterling removes most of the currency question, and we can introduce a payments provider. Identity and source-of-funds checks apply to everyone.