My home, tenancy, & rent

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My home, tenancy, & rent

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Report a repair

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Get help with something relating to your home:

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Report a repair:

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Dealing with damp, condensation, and mould:

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Why you should take out Home Contents Insurance:

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Our improvement programme:

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Get help with something relating to your tenancy:

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Frequently-asked questions (FAQs) about tenancies:

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Useful information for new tenants:

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Right to Buy and Right to Acquire (buying your home)

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Get help with your rent and service charges:

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Ways to pay your rent:

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How to use the AllPay app (for online payments):

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How we set your rent:

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About your service charges:

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Staying safe at home:

Our Home and Building Safety Hub includes important information and handy advice on topics such as fire, energy, water, and more.

We’ve also included a series of short films and animations covering many of these same themes.

Answers to frequently asked questions (FAQs) in this section:

All pages in this section:

How to swap your home (mutual exchange)

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Are you thinking about moving? Consider a mutual exchange:

Do you know you can swap your house locally or nationally, through HomeSwapper? This process is known as mutual exchange.

HomeSwapper is the UK’s largest direct home swap service. At any one time, around 1,000 of our customers are registered with HomeSwapper and over 500,000 members are looking for potential swaps on the HomeSwapper website.

You can use HomeSwapper to upsize, downsize, move location, or find a property that’s already adapted for disabilities. It works by matching tenants who want each other’s home, with 90% of members receiving potential matches within 24 hours.

What's a mutual exchange?

A mutual exchange is when you swap homes with someone. It means you’re taking on somebody else’s tenancy rather than being given a brand new tenancy agreement.

If you’re already a Be One Homes tenant, you can swap with any other social housing tenant if you have an assured non shorthold tenancy with us.

You could upsize, downsize, move location, get a garden, or find a property that’s adapted for disabilities. There’s no limit to the number of participants in a mutual exchange, but usually it’ll be a direct swap between two social rented households. Occasionally it might involve three or more different households.

Please get our permission first:

If you’d like to speak to us about starting the mutual exchange process and/or to seek our consent, please call us on 01204 328000.

Once you’ve told us that you’d like to mutually exchange (providing full details of properties affected etc.), we’ll arrange for an inspector to visit your home. This inspection is required before we can provide consent for the mutual exchange process to begin.

Mutual exchange is your choice:

A mutual exchange is an important choice to consider. You have control over the type of properties you want to view and where you choose to live.

Although you have choice, you’ll also need to consider that you’ll have to compromise for something you need, as opposed to what you’d like.

The number one wish within mutual exchange from all residents is “I’d like a house with a garden”. Although this type of property does exist, not everyone chooses to exchange from this type of property.

The benefits of mutual exchange:

Frequently-asked questions:

Who's eligible?

To do a mutual exchange, Be One Homes and/or the other housing provider will need to give their consent to the person(s) listed as the tenant(s). There are some reasons why we might not give consent, and some of these are set out below.

You aren't eligible if:

  • You're a new Be One Homes customer with a period remaining on your 12-month starter tenancy. A starter tenancy is usually given to new tenants.
  • You've breached your tenancy and have rent arrears (both current or former).
  • You have a breach of tenancy, e.g., untidy garden, poor property condition (including damage), rechargeable repairs or antisocial behaviour.
  • You've damaged your home and we want you to carry out repairs first.
  • You've had a court order for possession made against you for breach of tenancy, or are under a notice of seeking possession of your home.
  • The property you want to move to would be too big or too small for the number of people involved.
  • The home you live in has been designed or adapted for people with physical disabilities.
  • We might not give consent for the mutual exchange to proceed if the other exchanging tenant is ineligible.

How can I put my name down for a mutual exchange?

You can advertise your home for a mutual exchange for free on the HomeSwapper website. This is the main way in which to find someone to exchange with, but you'll still need permission from us before you swap.

We've included more information on how to use HomeSwapper in the 'How to use HomeSwapper' section on this page.

Some people also use Facebook or place an advert in their local newsagents, post office, or front windows.

If you need further advice on making an application, please get in touch.

What size of property can I exchange with?

Unlike with our Moving Options Policy, if you find an exchange, we may allow you to move to a like-for-like property, with the same number of bedrooms, or even under-occupy by one bedroom (subject to demonstrating affordability).

For example; a couple in a one bedroom flat may be allowed to exchange for a two bedroom house, not permitted under our Moving Options Policy.

You'll need to explain your reasons for moving as part of your mutual exchange application. Please contact us to get our permission and for details on starting the process.

What other things should I consider?

Remember that you could be taking on someone else’s tenancy, so there might be some changes to your tenancy conditions. For example; the rent you pay when you move may not be the same as the rent your exchange partner is currently paying. We can advise you what you’ll need to pay.

You may also want to get in touch with us so you can confirm if you’ll have the Right to Buy or Right to Acquire your property once you’ve exchanged, where discounts differ.

Please also think about whether you can live in the property as it is when you view it, as properties are taken on as seen. It’s helpful to prepare a list of questions to ask when you visit the property. For example:

  • Will fixtures and fittings be left behind?
  • Will it be easy to fit your appliances?
  • Is it a furnished tenancy that stays with the property?

You’ll need to keep your own home clean and tidy, too. If you have difficulties with this, please get in touch so we can discuss what support options might be available.

If your application is approved, you’ll need to plan for removals. Please budget for this.

If your application is refused, there’s no time limit on when you can re-apply for a mutual exchange.

What should I do when I've found someone to exchange with?

All parties involved in the exchange will need to complete a mutual exchange application form. If you’d like to speak to us about starting the mutual exchange process and seeking our consent, please get in touch.

What does Be One Homes do when a mutual exchange application is received?

We’ll give you a final decision within 42 days (six weeks).

First, we’ll need to carry out some checks, for example:

  • If you have any rent arrears
  • If there have been any unauthorised alterations
  • If the move would result in overcrowding or under-occupation

We won’t unreasonably refuse permission and, if there are solvable issues, we’ll talk to you first about how these may be put right.

If we do refuse your application, we’ll tell you why and discuss what needs to happen to allow for a successful future application. Some of the main reasons we'd refuse an exchange include rent arrears, property damage, antisocial behaviour, or ineligibility for the type of property.

What happens next?

We’ll conduct our initial checks and contact you to confirm we’ve received your application form and discuss any immediate questions or issues with you.

If everything appears to be in order we’ll indicate this to you, but the exchange going ahead will be subject to a survey of the property, and gas and electric checks taking place on the day of exchange.

You’ll need to be at home for the survey and checks to give our staff access. They’ll contact you directly to make appointments and will show you identification when they arrive. If you’re exchanging with the tenant of another landlord, we’ll ask that landlord for a reference for their tenant.

Remember that it’s quite likely that they’ll also ask us for a reference about you, too.

What happens if the survey or inspection highlights a problem?

In-line with your tenancy agreement, you must have kept your property in good condition, clean throughout, have a tidy garden, and no damage.

If there’s an issue that you need to put right, we’ll tell you what is required and ask when you can complete the work.

When you tell us the work is done we’ll re-inspect it. If it’s an issue that is our responsibility, we’ll do the work. If we’re unable to complete it straight away, we’ll usually let the exchange go ahead providing the work isn't urgent and the new tenant agrees.

If inspections reveal a significant health and safety issue, such as an urgent electrical problem, we might have to refuse the request.

Once you’ve exchanged, you can’t report day-to-day repairs such as plastering or carpentry for the first six months, except for repairs considered an emergency such as no heating, hot water, or lighting.

It’s therefore very important that you report all repairs before you leave the property.

If everything is in order, we’ll contact you to let you know and you can then think about move dates, which must always be on a Monday with gas and electric checks on the same day.

However, before you move, you’ll need an appointment with us to sign your agreement. This will be done by way of Deed of Assignment. Once you’ve signed it, you can’t change your mind.

What do I need to bring to the appointment?

You’ll need to bring with you:

  • Proof of identification that has your photograph on it.
  • Your current tenancy agreement. If you don’t have a copy of your tenancy agreement, please let us know before your appointment.
  • One week’s rent in advance (we’ll let you know how much you need to pay).
  • Your bank account details if you want to pay your rent by Direct Debit.
  • If you’re claiming Housing Benefit or Council Tax Reduction, proof of your income, benefits and savings.

What should I do when I get the go-ahead to move?

Make sure you:

  • Contact the gas, electricity and other utilities companies for both your old and new addresses.
  • Apply for any benefits you receive to be paid at your new address.

How to use HomeSwapper:

HomeSwapper is an online service that helps connect tenants who are looking to move house and want to do a mutual exchange. It’s a free service for social housing tenants.

You can search for homes by area, and you’ll usually be able to see photographs of what’s available. You can sign up for email or text alerts when new homes come up that match your criteria.

Scroll down for more tips on how to use it.

How to create your advert on HomeSwapper:

Planning your advert

When creating your advert, be careful to plan what you want to say and prepare any pictures beforehand so that you can get the best possible results.

Take care to gather the necessary factual information for each aspect of the property so you have it to hand when creating your showpiece advert.

Start by thinking what you like about your property, for example “I have nice views, the heating bills are reasonable, there's plenty of storage space, and large gardens”.

What should I include in my advert?

Details:

Make sure all of the details within the advert are correct and that the explanations and statements are true.

Potential 'exchangers' are relying on your information to give them a very clear picture of your property in their minds. Remember, first impressions are crucial.

Describing your property:

Provide as much information about your property as you can.

Think about all the positive points: the size of the property, the features it has, and what you like about it.

Describing the area:

You'll need to explain the area in detail, as you might have people looking at your property who don't know the area very well.

Again, mention the positives, for example, "Five minutes from nearest shops/school etc. and/or bus stop that takes you into the Town Centre within 15 minutes". The more accurate information you provide, the more interest you're likely to receive from other 'exchangers'.

Taking photos:

Including good photos of your property can increase the chance of applicants taking an interest in it.

You might want to try and take the photographs when it's sunny so your home looks at its best.

Top tips to get the best out of HomeSwapper:

What should I consider when viewing a property?

You need to be sure about a property – after all, it could potentially be your new home.

Make as many appointments as you need – including weekends and evenings – before you make the decision to go ahead with a move.

What sorts of questions should I ask when I view the property?

Before you visit a property, make a checklist of all your priorities and the things you'd like to find out.

Here are some of the questions you might want to ask:

  • How much is the rent?
  • What sort of tenancy will I be offered?
  • Would I be able to buy the property from the council or housing association?
  • How many bedrooms does it have?
  • What are the local schools like?
  • Is there allocated parking and if not, is it easy to park?
  • Are transport links good?
  • How far is it to the nearest station or bus stop?
  • What are the neighbours like?
  • If there's a garden, what size is it and is it private or shared?
  • What’s going on in the local community?
  • Where are the nearest shops and other amenities?
  • What kind of heating does it have and does it suit me?
  • Does it need decorating?
  • What repairs are outstanding and who's responsible?
  • When would the current residents want to move out?
  • What will my new landlord be like?
  • What items (such as curtains/curtain rails, carpets, or white goods) do the current residents plan to take with them?**

**Please note: we can’t be held responsible for any defective left over items or appliances (like white goods). For this reason, we wouldn't recommend that customers leave any white goods behind as part of an exchange.

Remember that it's your responsibility to check the condition of the property you're exchanging to:

Make sure you take a good look round when you go to view the property, as you'll be accepting the property ‘as seen’.

It's your responsibility to thoroughly check the condition of the property you're thinking of exchanging to. If there are things that need repairing, they'll need agreeing with the exchanging tenant and they'll need to report and arrange these repairs with their landlord before you exchange.

As part of your visit(s), be sure to check for any potential issues relating to damp, condensation, and mould. If you spot any, make sure you ask the tenant if they've notified their landlord and if a solution to the problems has been agreed.

It's always a good idea to arrange a mutual viewing with the exchanging tenant prior to submitting the mutual exchange request to us. You should only proceed with the mutual exchange once you're satisfied following the viewing and agreements have been made with the other exchanging tenant.

Tip:

If - whilst viewing the property - you identify any repairs, ask if the repair has been reported by the current tenant, request proof if needed or date of any repair appointments.

The exchanging tenant should also be asked if they're aware of any future planned works or major or structural works for the property as this may need to be taken into consideration. For example, if any works are planned that will result in some level of disruption to your household for a period of time.

Remember:

If there's anything that you're unsure about or concerned about, you must ask the exchanging tenant. This is your opportunity to be assured that the proposed mutual exchange will be the right move for you.

It's strongly recommended that both customers wishing to mutually exchange with one another undertake a written agreement that states that they will leave the property clean, remove all items from the property including any garden areas etc., and provide information relating to any outstanding repairs that have been reported etc.

We aren't able to intervene if any agreements are not upheld or if no agreements are in place. If a customer leaves a property in poor condition (i.e., not cleaned/items left behind) we aren't responsible for the condition of the property and may not able to carry out works to rectify issues.

Is there anything else I should take into consideration when viewing a property?

Here are some final things to consider when you visit a property:

  • If you have pets, will the landlord of the property you are looking to exchange to accept animals?
  • Is the property the right size for you? If you might be under-occupying or over-occupying the property you're looking to exchange to, the application may be rejected.
  • Will you inherit any repairs that are the responsibility of the tenant?
  • What repairs has your proposed new landlord agreed to carry out? What will be the responsibility of the outgoing tenants to repair/replace?
  • Does the heating type suit your needs?
  • Does it need decorating? If so, you'll need to consider this when budgeting as you won't receive a decorating allowance for a mutual exchange.
  • Will exchanging affect your tenancy type?

Other ideas:

  • Take a copy of the advert with you so you're able to make comparisons with what was offered.
  • It might be useful to take a pen and paper with you so you can draw the layout of the property. You'll then have a record of what the property looks like.
  • Take a map of the area so that you can highlight where local amenities (like shops and transport links) are located. This will help you to identify the distance from the property.
  • Try to visit the area at different times of the day so that you have an idea of whether it is a quiet or a busy, noisy area to move to.
  • If possible, meet the neighbours and speak with them.
  • Bear in mind that it's your responsibility to check the condition of the home you're moving to and have the current tenant arrange for their landlord to carry out any outstanding repairs before you move.

Stay safe when viewing properties you're interested in:

When you’ve arranged to visit a property, if possible, let a friend or family member know where you’re going to visit and at what time.

If you’d like a friend or family member to go along with you, you should let the person you are visiting know that you’ll be with someone.

Your downsizing options

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Thinking about downsizing?

You might be thinking about downsizing if your current home feels too large – perhaps because family members have moved out or your circumstances have changed. This page explains your downsizing options.

Downsizing can have clear benefits, such as more manageable living spaces and lower utility bills.

By moving to a smaller home, you’ll also help to free up larger properties for families who need more space, ensuring that we can make best use of our properties.

There are different ways to start the downsizing process, but some might be quicker than others. We’ve included full details on each downsizing option below.

1. A mutual exchange might be the quickest option for downsizing:

Through a mutual exchange, you’re able to ‘swap’ your property with another Bolton at Home tenant, a tenant of another housing association, or a council tenant living outside of Bolton.

A mutual exchange could be ideal if you’re looking to downsize or move to another location, and it can be much quicker than the two other options listed below.

You need to meet certain eligibility criteria, including not being a starter tenant, to be able to access the mutual exchange scheme.

2. We might be able to help you to downsize:

If you let us know you’d like to downsize and it’s deemed appropriate for your situation, we’ll attempt to identify properties that might meet your needs (for example, if you want to move from a three-bedroomed house to a one-bedroomed house).

Please remember that it’s unlikely we’ll be able to meet your exact needs in terms of property size, type, or location – but we’ll do our best to ensure you have a property that better suits your current needs.

3. Contact your local choice-based lettings scheme:

Many choice-based lettings schemes (like Homes for Bolton) will place a high priority/needs status against your application when you tell them you’d like to downsize.

You’ll then be placed alongside other residents with high priority/needs status on the housing register, meaning it could be some time before you’ll be shortlisted for downsizing options. In most cases, it’s much quicker to downsize using one of the options above.

Help with homelessness

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Get support if you're homeless or at risk of losing your home:

It’s important to get help as soon as you can if you’re homeless, or if you think you’re about to lose your home.

There are organisations and charities who can help, no matter what your current circumstances are.

Get help with homelessness from your local council:

Your local council will be able to offer support if you’re homeless or at risk of being homeless.

To find support from your local council, tap the link to the gov.uk website below and enter your postcode.

Live in Bolton? Bolton Council can help with homelessness:

If you live in Bolton and would like more information on how they can support you with homelessness, tap the link below.

Homes for independent living (Sheltered and Independent Living)

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We have a range of accommodation specifically designed to support your independence:

This page provides an overview of the different types of homes we offer to support your independence. Our offer is slightly different depending on where you live – so we’ve explained what you can expect in the tabs below.

If you’d like further advice on finding a home, please get in touch. We’re here to help.

If you’re currently registered with your local authority’s choice-based lettings (CBL) scheme, you can view available properties online. You can tap here to find the choice-based lettings scheme for your area.

Homes for independent living in Greater Manchester and Cheshire

In Greater Manchester and Cheshire, we have a range of rental accommodation specifically designed for the over 55s.

These include one and two-bedroom flats in areas such as Manchester, Cheshire East, Cheshire West, Bury, Stockport, and Tameside.

If you'd like to apply for, or see further details on any available homes for over 55s, you'll need to register with the relevant local authority's choice-based lettings scheme (CBL).

You can tap here to find your local authority's choice-based lettings scheme.

Homes for independent living in Bolton

In Bolton, we have a range of accommodation specifically designed for the over 60s, which regularly becomes available to rent on a secured tenancy basis.

Our extra care, sheltered, and independent living accommodation in Bolton consists of one or two-bedroom bungalows and apartments, six 'Under One Roof' schemes, and four extra care schemes.

The weekly rent for all our accommodation for older people differs according to the site and scheme, and the specific services that are in place for tenants. The total weekly rent set out on offer letters for tenants (and the annual rent statements for existing tenants) include details of the specific Core Rent, Sheltered Management, and Careline service and support charges.

Each Extra Care and Sheltered scheme in Bolton has a dedicated non-resident Sheltered Support Worker and Careline’s 365 day, 24-hour community alarm service (tap here to learn more about our Careline 24-hour community alarm service), providing a management and support service tailored to your current and future needs, and giving you and your family complete peace of mind and security.

We offer three levels of accommodation in Bolton. Just tap or scroll down to learn more about each one and to see where they're located:

Our extra care sheltered accommodation:

We have four extra care schemes in Bolton:

  • Merton in the Deane area.
  • Eldon Street in the Tonge Moor area.
  • Maxton in the Farnworth area.
  • Lever Gardens Court in the Little Lever area.

These schemes offer older people their own home, together with access to dedicated, on-site care and support services. As these services are based within the schemes, extra care gives more dependant older people the opportunity to continue living independently within the setting of their own home.

The schemes are designed so that whilst having communal facilities, each tenant continues to have their own front door to their own flat with a lounge, kitchen, bedroom, bathroom, and shower. They have an integrated intercom system which is Telecare compatible (you can tap here to learn more about our Careline Telecare service) and the shared communal lounges and gardens host a variety of activities and events for the benefit of the tenants.

We have a sheltered support worker who is based on-site who will call and visit each resident regularly during the week dependent on their specific needs. Each scheme also has a handyperson to assist all residents with small tasks such as replacing curtain rails, putting pictures on their walls, replacing light bulbs, and so on.

Our core sheltered accommodation:

The majority of our core sheltered accommodation is made up of bungalows. These bungalows are dispersed across the borough in desirable locations, close to shops, transport, and other important places.

We also have six ‘Under One Roof’ schemes at:

  • St Georges Court, Bolton
  • Jubilee House, Bolton
  • Hulton Lane, Bolton
  • Longsight Lodge, Bolton
  • Flockton Court, Horwich,
  • and Highfield House, Farnworth.

These ‘Under One Roof’ schemes have facilities including lifts, communal lounges, and landscaped gardens for all residents to enjoy. With internal and external maintenance, gardening, and landscaping taken care of, residents are free to enjoy life with family and new friends.

All core sheltered housing customers have the choice of either a weekly, fortnightly, or monthly visit from a sheltered support worker, and the frequency of these visits can be conveniently increased or decreased depending on individual support needs.

Heightened levels of support are offered at an additional charge for our core sheltered accommodation.

Our independent living accommodation:

Our independent living accommodation is made up of flats and bungalows with a specific age criteria for older people, no sheltered support, but with our Careline service provided as standard (you can tap here to learn more about our Careline service).

Our independent living accommodation can be found in prime locations close to shops, transport, and other important places.

Some are larger schemes, while others are situated alongside or close to our core sheltered properties. Many are part of small clusters of accommodation dispersed amongst our general let accommodation, allowing residents to remain close to family and friends.

Some of our independent living schemes may have communal gardens for residents to enjoy, but most have enclosed gardens for residents’ personal use and cultivation.

With all internal and external maintenance taken care of, residents are free to enjoy life with family and make new friends. Tenants who move into our independent living accommodation are often younger and more active, meaning they require little support but enjoy the reassurance and safety provided by Careline in the case of an emergency.

Get in touch:

If you’re currently registered with your local authority’s choice-based lettings (CBL) scheme, you can view available properties online. You can tap here to find the choice-based lettings scheme for your area.

If you’d like further advice on finding a home, please get in touch.

Rent to Buy homes

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Rent to Buy properties with Be One Homes:

Do you dream of having your own place to call home? Struggling to save for a mortgage deposit while paying high private rent?

Rent to Buy can be a more affordable option, and you have the option to buy a bigger share in the property in the future.

Rent to Buy allows you to move into your new property straight away and pay a reduced rent, giving you extra time – and money – to save towards your mortgage deposit.

How does Rent to Buy work?

With Rent to Buy, you can move into your new home now, renting the property on an Assured Shorthold Tenancy basis for a period of five years. During this time, you’ll pay a reduced rent of just 80 percent of the full open market rent value.

You can purchase your home from us on a Shared Ownership basis during years one to five, or on an outright basis at the end of the five-year term.

These properties are currently available through Rent to Buy:

What are the benefits of Rent to Buy?

Who can apply for Rent to Buy?

To apply for Rent to Buy, you need to be in a working household. This means at least one person moving into the property must have a full-time job.

The scheme is mainly for first-time buyers. It can also help people in special situations, such as after a relationship breakdown, if they can’t afford to buy a home on the open market.

We’ll check that you meet the rules for the scheme and that buying a home outright isn’t currently possible for you.

You can’t apply if you already own a property, either in the UK or abroad. Tap on the tab below to learn more about eligibility requirements and checks for Rent to Buy.

Tap to learn more about eligibility requirements and checks for Rent to Buy

If you apply for Rent to Buy, we’ll check your finances and ask you to sign a Rent to Buy Option Agreement. This confirms that you plan to use the five-year reduced rent period to save for a mortgage deposit. We’ll review your progress every year during the five-year term.

To meet UK rental rules, everyone aged 18 or over will need to complete the following checks:

  • Right to Rent and fraud checks: we’ll confirm you have the legal right to rent in the UK. You’ll need to show proof of your current address and photo ID.
  • Employment and income check: we’ll ask for an employment reference and details of your monthly household income.
  • Credit check: we’ll check your credit score to make sure you’re likely to get a mortgage within five years. Please note: we can’t proceed if you’ve had Bankruptcy or County Court Judgements (CCJs) in the last three years.
  • Landlord reference: if you rent now, we’ll ask for a reference from your current landlord or letting agent.

These checks are usually carried out by a letting agent on behalf of Be One Homes. There’s no cost to you for these checks.

How are your Rent to Buy properties allocated?

On some of our new build developments, planning rules give priority to people who live and work nearby.

If this applies, our letting agent will let you know and explain what extra information you may need to provide.

There are no limits on the size of property you can apply for under Rent to Buy. However, if there are several applications for the same development, we’ll use our discretion to make sure homes are allocated fairly, based on the number of people who will live there.

More frequently-asked questions about Rent to Buy:

How long is a Rent to Buy tenancy?

The initial tenancy is two years.

How long does the Rent to Buy application process take?

It can vary depending on how quickly you submit the necessary documents.

Do I have to save money each month?

It's recommended you put the savings you make on the discounted rent towards a house deposit.

What if my circumstances change during my tenancy?

You can usually choose to continue renting, extend your tenancy if you need more time to save, or move out.

How much money should I set aside for a Rent to Buy property?

To ensure you can rent a Rent to Buy home with us, you'll need to prove you can provide one month’s rent in advance and five weeks’ rent as a tenancy deposit.

What costs are associated with Rent to Buy?

To rent a home with us through the Rent to Buy scheme, you'll need to provide one month’s rent in advance and five weeks’ rent as a tenancy deposit.

There are no costs associated with the renting side of Rent to Buy. When you are ready to purchase your Rent to Buy home, you'll need to consider the usual costs associated with buying such as conveyancing, stamp duty (if applicable), surveys, and so on.

What checks will be carried out to support my Rent to Buy application?

You'll need to complete an application and will be assessed to ensure that you're suitable for the scheme and can't currently afford to buy outright on the open market.

You'll also be subject to affordability, Right to Rent, credit references, and landlords checks.

What income is taken into consideration during the affordability assessment stage, and what documentation will I need to provide?

  • Employed income: you must have three months’ consecutive payslips from your previous or current employer.
  • Self-employed income: a minimum of two years SA302s and tax overviews are required for sole traders and Limited Company Directors (the average net profit of the last two years will be used).
  • Fixed term contractors: you must have a minimum of three months’ payslips and a minimum of 12 months remaining on your current contract at the time of the tenancy start date.
  • Zero-hour contract workers: you must have a minimum of six months’ consecutive payslips available.
  • Pension income: you'll need to provide last month’s payslip/statement.
  • Universal Credit (excluding the housing element): you'll need to provide your statement or award letter 
  • Disability Living Allowance: you'll need to provide your latest annual statement.
  • Court Ordered Child Maintenance: you'll need to provide a copy of the court order and evidence of payments received.

What does 'deposit' mean on the application form?

This is the money required to rent a home with us. The 'deposit' referred to in the application form is not related to funds saved to purchase a home.

What counts as savings?

Savings are funds across all household accounts for people aged 18 and over. This includes banking accounts, savings accounts, bonds, Individual Savings Accounts (ISAs), and investments.

Who is my security deposit protected and registered with?

Your security deposit will be registered and protected by the Tenancy Deposit Scheme (TDS).

When will my security deposit be returned?

We'll contact you to discuss the release of your security deposit within 10 working days of your tenancy end date.

Am I allowed pets?

Pets may be allowed with prior written consent.

Can the terms in the Tenancy Agreement be amended?

No, the terms and clauses in the Tenancy Agreement can't be amended. You'll be given a draft Tenancy Agreement to review before signing.

What is the maximum/minimum income I can earn to rent a home through the Rent to Buy scheme?

There is no maximum or minimum household income criteria set for Rent to Buy.

Where can I rent a home through the Rent to Buy scheme?

We offer Rent to Buy homes across the North West region. We'll advertise available properties on this page and Rightmove when available.

How can I get a Rent to Buy mortgage?

You don't need a mortgage to rent a home through the Rent to Buy scheme. You may need a mortgage when purchasing the home after your tenancy has ended.

Register your interest in Rent to Buy (test):

Homes for sale (Shared Ownership)

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Stonecross Homes logo

Stonecross Homes is the Shared Ownership Brand of Be One Homes:

Shared Ownership is a part-buy, part-rent arrangement where you purchase a share of a property and pay rent on the remaining portion to Be One Homes.

This can be a more affordable option, and you have the option to buy a bigger share in the property in the future.

Frequently asked questions about Shared Ownership:

Here are some of the most common questions we’re asked about Shared Ownership:

What is Shared Ownership?

Put simply, Shared Ownership is a cross between buying and renting a home.

You buy a share of the property, usually between a quarter and three quarters, and then rent the part you don’t own at a reduced rate. You then have the option to buy a bigger share in the property in future.

Is Shared Ownership a new idea?

People have been buying shared ownership homes for around for 40 years, so it’s a well-established home ownership method.

We think it’s a great way of providing more affordable homes and increasing choice for our customers.

Who is Shared Ownership aimed at?

It's for anyone who would like to buy their own home, including existing housing association tenants.

This includes first-time buyers, but also people who used to own a home but can’t afford one now. Please get in touch if you'd like to know more about eligibility for Shared Ownership.

Is Shared Ownership the same as Rent to Buy?

No.

Shared Ownership and Rent to Buy are not the same. To learn more about Rent to Buy, please tap here.

Why does Bolton at Home offer Shared Ownership properties?

One of our main objectives is to provide quality, affordable homes that can make a difference to people’s lives.

We do this through a mix of housing tenures, including Shared Ownership.

Offering homes for Shared Ownership provides more choice for our customers and is a great option for those looking to get a foot on the property ladder.

Are you still committed to developing homes for affordable rent?

Yes.

While we're developing more Shared Ownership homes, they only make up a small portion of the total number of homes we provide.

What is Stonecross Homes?

Stonecross Homes is the brand name we use to market our Shared Ownership developments and properties.

The developments are still led internally by our Development Team and are still part of our organisation.

Having a different name is simply a way to differentiate our Shared Ownership schemes when marketing them to potential customers. It helps us show that this is a different type of housing tenure, and is standard practice within the housing sector.

How can I apply for a Shared Ownership property?

If you're interested in applying for a Shared Ownership property, please get in touch.

We're here to help.

I'm a current owner of a Stonecross Shared Ownership property:

We have webpages with information on your rights and responsibilities, repairs, rent and service charges, making improvements to your home, making changes to your lease, and more. 

Tap here to view information for current owners of Shared Ownership properties. LINK REQUIRED

Speak with our team if you'd like to know more:

If you’d like to learn more about our Shared Ownership offer,  please call our Development Team on 01204 329922.

How to apply for social housing in Bolton

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Homes for Bolton is Bolton's choice-based lettings scheme:

When you bid on a home through the Homes for Bolton choice-based lettings (CBL) scheme, you’ll be separated into one of four bands based on need.

These bands affect who is most likely to be successful when they bid on an available home:

The highest priorty band is reserved for people who urgently need a new property. This band includes:

  • Families where there is an urgent concern for the health and welfare of children.
  • Households where an applicant requires a high level of social work support because of a diagnosed mental health condition.
  • Households where somebody is escaping domestic abuse, harassment, or violence.
  • Somebody who is currently homeless (as defined by VII Housing Act 1996).
  • Where a household is living in a property where there is an immediate threat to life or limb.

There are also additional criteria such as for returning armed forces personnel.

You'll also be allocated based on the suitability of the home:

For example, a family of two adults and two children can bid for two- and three-bedroom properties but are unlikely to be accepted for a four or five bedroomed property without special circumstances.

Similarly, two adults wouldn’t likely meet the criteria to get a home with three or more bedrooms.

You can read the full Homes for Bolton Allocations Policy at www.homesforbolton.org.uk.

Frequently asked questions about applying for a home in Bolton:

Here are some of the most common questions we’re asked about applying for a home in Bolton:

How do I register for housing in Bolton?

You can complete an application at www.homesforbolton.org.uk.

The application form is in two parts:

  • Part 1: pre-assessment. This section is a pre-assessment, which will provide you with options relevant to your circumstances. The answers you give will be used to create a personalised plan showing the best options for you based on your circumstances. It will give an indication of whether you’ll qualify for the housing register. Based on your action plan results, you should decide whether to continue.
  • Part 2: full application. You’ll need to complete a full housing application after the pre-assessment if you wish to continue. You’ll need an email address to create a full application.

How many bids can I have on the Homes for Bolton system?

The Homes for Bolton choice-based lettings scheme allows you to have two active bids at any one time.

How long are properties advertised for?

Many properties are advertised on the Homes for Bolton website for over one week, but some are advertised on a flexible cycle - so keep checking the site for new adverts and the number of days until the advert closes.

Please note that we also advertise our new build homes for rent in Bolton through Homes for Bolton.

Who is most likely to be offered a property?

When you make a bid on a property, a shortlist is created of everyone who is interested in that home.

This shortlist is based on the band (see above about bands) and if more than one person has the same band then the date you registered is taken into account.

The person with the highest band and/or longest registration date and who meets the criteria for the property is the person who is likely to be offered the property. However, we (as the housing provider) will also need to carry out checks and references.

How do I find out about my bids?

You can check your previous bids 24 hours a day on your Homes for Bolton account.

You’ll be able to see the status of the shortlist once the advert is closed. This is helpful to see if the housing provider (i.e. Bolton at Home) is still shortlisting or they’ve offered the property to someone.

If you have any queries about a bid on one of our properties, please contact us** for more details.

In the Bid History section, if your application has been unsuccessful then you can hover over the word to find the reason.

**Please note that not all properties on the Homes for Bolton site are managed by Bolton at Home, so you'll need to contact the listed housing provider for further details on those.

What if I'm currently homeless or facing eviction?

If you’re currently homeless or facing eviction, you should register with Bolton Council’s Housing Options team so that you can be allocated urgent or priority status.

The team can also:

  • negotiate with your landlord
  • address your arrears
  • advise on welfare benefits and maximising your income
  • assist and represent you at County Court
  • help with a referral to Money Advice to help sort out any debts you may have.

If you live in the Bolton area, please contact Bolton Council's Housing Options team on 01204 335900 or email your query to housing.options@bolton.gov.uk.

If you don't currently live in Bolton and are homeless or facing eviction, please contact your local authority.

Why do I keep getting shortlisted?

It’s really important that your details are up to date on the Homes for Bolton site:

  • Ensure that you complete the additional comments section on your application to fully explain your circumstances.
  • Are there any special requirements you need to tell us about?
  • Think about why are you moving or need a property.
  • What will this property offer you that you that your current one doesn’t?

There are also other things to think about, for example:

  • Are you meeting the advertised criteria?
  • Are you bidding for the right properties?

Craig explains how social housing is allocated in Bolton:

Want a summary of how social housing is allocated in Bolton? Our Head of Homefinder Services, Craig Hardman, provides an overview in this short video:

Ready to apply for a home in Bolton?

If you’re ready to apply for a home in Bolton, please visit the Homes for Bolton website.

Homes for rent (social housing)

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What is social housing?

Social housing refers to homes where the rent is linked to local incomes. Provided by local councils and housing associations (like Be One Homes), it’s an affordable and secure way of renting your home.

Rent increases are also limited by the Government. This means your home stays affordable long-term, so you aren’t priced out of your community by rising rents.

To apply for social housing with Be One Homes, you’ll need to register with your local council’s choice-based lettings scheme. This page explains what choice-based lettings schemes are and how to use them to apply for a home in one of the areas we serve.

Demand for social housing exceeds the number of available properties:

It’s why we’re investing in new build housing developments to increase the number of homes available, and working to make empty homes ready for new tenants.

We get more than 100,000 expressions of interest for our properties each year and for each home listed, there are on average 50 bids. Therefore, properties are allocated on a needs first basis.

Tap on a link below if you’d like to learn more:

Learn about how social housing is allocated

The way social housing in the UK is allocated, and how those decisions are made, is often complex.

Learn about what we do with empty properties

We know it can be frustrating to see empty properties when people need homes. Here’s what happens and why.

Learn about our new build development programme

We're increasing the supply of affordable housing to help ease housing waiting lists, provide more family homes and help customers who want to downsize.

How do I apply for social housing with Be One Homes?

To apply for social housing with Be One Homes, you’ll need to register with your local council’s choice-based lettings scheme. We’ve included links to the different choice-based lettings schemes below.

Choice-based lettings (sometimes abbreviated to CBL) schemes let you make choices on where you’d like to live based on your needs and preferences.

Most choice-based lettings schemes are operated by your area’s local authority, meaning they can vary depending on where you’d like to live. Please note that properties from many other housing providers (not just Be One Homes) are advertised on choice-based lettings schemes.

Register with your local authority's choice-based lettings scheme:

You'll need to register with your local authority's choice-based lettings (CBL) scheme before you can see available properties and bid on any of them.

We've included links to the different choice-based lettings schemes below.

You'll be separated into a priority level:

When you sign up to a choice-based lettings scheme, you'll be separated into a priority level (or 'band') based on your needs and current situation.

This priority level affects the likelihood of you being successful when you bid on available homes, and is based on factors like:

  • your connections to the area,
  • the size and condition of your current home,
  • your income,
  • whether or not you're at risk of homelessness,
  • and more (factors can vary depending on the local authority).

'Bid' on suitable properties:

All choice-based lettings schemes work through a bidding and 'points' system.

When our rented properties (including new build ones) are available on the relevant choice-based lettings schemes, new and existing tenants can place 'bids' (which do not involve money) on properties if they think they're suitable for them.

Most choice-based lettings schemes will have limits on how many homes you can bid on at any one time. It's important to ensure you only bid on properties you really want to avoid wasting your time.

The property is offered to the most appropriate applicant:

Once a property is closed to bidding, applicants' bids are checked and the property is offered to the applicant that is highest on the priority list.

Please remember that you could lose priority 'points' if you reject an offer for a home that you've placed a bid on.

Frequently asked questions about applying for social housing:

Before you continue, here are some of the most common questions we’re asked about applying for homes through choice-based lettings schemes:

Who can use choice-based lettings schemes?

New and existing tenants can use choice-based lettings schemes to place bids on properties they're interested in.

I've never used a choice-based lettings scheme. How do I sign up?

If you'd like to apply for one of our properties, you'll need to register with the relevant local authority's choice-based lettings scheme for the area you'd like to move to.

So you can find the right choice-based lettings scheme for your area, we've included links to the different schemes for the areas we serve below. Just tap on the relevant area for details.

If your application is accepted and you're deemed eligible, you'll be placed on a waiting list. You'll then be able to bid for homes that are suitable for you using the local authority's choice-based lettings scheme.

How do I apply (bid) for a property?

Look through the available properties on the choice-based lettings scheme's website and select the property you wish to bid on. You’ll need to be logged in to place a bid.

You should only bid on properties that are suitable for your size of household. Remember that most choice-based lettings schemes will have limits on the number of active bids you can have at any one time.

When you find a property that you’re interested in, we suggest you know or visit the area before expressing an interest and check to make sure you meet the criteria for that property as it may not be appropriate for you.

What if my bid is unsuccessful?

If your bid is unsuccessful, you’ll need to submit a new bid on another relevant property. When you bid, you'll continue to compete with other applicants.

There is no special priority based on the number of bids you've already submitted.

How do I know if I'll be offered a property I've applied for?

If you've been successful in bidding for a property, we (Be One Homes) will contact you by phone, email, or letter, making an initial offer of the property.

It’s important you ensure that your contact details are correct before you confirm your bid on a property. If your contact details aren't up to date, you could miss out on an offer.

You’ll be able to view the property before you accept it.

What checks are made and what references do I need?

If you've been successful in bidding for a property, we (Be One Homes) will be in touch to advise on what we'll need from you before confirming the property is yours.

This could include a reference from your employer, previous landlord, housing benefit form, or other details.

Where would you like to apply for a home?

We own and manage properties in the following areas. Tap an area to find the right choice-based lettings scheme for each local authority:

To apply for a home in Bolton, you must register first with the Homes for Bolton choice-based lettings (CBL) scheme before you can see available homes and bid on them.

Tap here for more information on applying for a home through the Homes for Bolton choice-based lettings scheme.

Look for a home

Aerial concept image of our Moor Lane new build development
Woman inserting a key into a front door.

Look for a home

This section of our website explains the different ways you can rent or buy a property from Be One Homes, along with your options if you're thinking about moving.
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Apply for social housing with Be One Homes

Learn about the process for applying for social housing with us.
A row of terrace properties on one of our estates. They have grassed gardens at the front.

Get help if you’re homeless or at risk of homelessness

It's important to get help as soon as you can if you're homeless, or think you're at risk of homelessness.
A female resident holding a cup of tea. She is wearing an orange top and is stood in her kitchen.

Homes for independent living

We have a range of accommodation specifically designed to support your independence.
The living room of our show home property at our Moor Lane development in Bolton Town Centre.

Thought about buying a home through Shared Ownership?

Could Shared Ownership be a good fit for you? It's a part-buy, part-rent arrangement where you purchase a share of a property and pay rent on the remaining portion.
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Struggling to save for a mortgage while renting?

Rent to Buy allows you to move into your new property straight away and pay a reduced rent, giving you extra time - and money - to save towards your mortgage deposit.
The logo for HomeSwapper - the mutual exchange service for social housing tenants.

Did you know you can swap your house locally or nationally?

You can use HomeSwapper to upsize, downsize, move location, or find a property that’s already adapted for disabilities through what's known as a Mutual Exchange. It works by matching tenants who want each other’s home.
Two of the bungalows at our Lever Gardens Court development in Little Lever, Bolton. There are solar panels on the roof.

Thinking about downsizing?

It might be because your current home feels too large - perhaps because family members have moved out or your circumstances have changed.

Apply for social housing with Be One Homes:

Learn about the process for applying for social housing (rented) with us.

A female resident holding a cup of tea. She is wearing an orange top and is stood in her kitchen.

Homes for independent living:

We have a range of accommodation specifically designed to support your independence.

The living room of our show home property at our Moor Lane development in Bolton Town Centre.

Homes for sale (Shared Ownership):

Could Shared Ownership be a good fit for you? It’s a part-buy, part-rent arrangement where you purchase a share of a property and pay rent on the remaining portion.

Rent to Buy homes:

Struggling to save for a mortgage deposit while paying high private rent? Rent to Buy can be a more affordable option, and you have the option to buy a bigger share in the property in the future.

The logo for HomeSwapper - the mutual exchange service for social housing tenants.

Swap your home with a mutual exchange:

You can use HomeSwapper to upsize, downsize, move location, or find a property that’s already adapted for disabilities.

Two of the bungalows at our Lever Gardens Court development in Little Lever, Bolton. There are solar panels on the roof.

Your downsizing options:

You might be thinking about downsizing if your current home feels too large – perhaps because family members have moved out or your circumstances have changed.

Get help if you’re homeless or at risk of homelessness

It’s important to get help as soon as you can if you’re homeless, or think you’re at risk of homelessness.

Answers to frequently asked questions (FAQs) in this section: