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  • Home
  • Community Led Housing
    • What is Community Led Housing? >
      • RouteMap
    • Case Studies
    • Climate Crisis
  • Housing
    • Current Opportunities
    • Future Opportunities
    • Surveys
    • Rural Housing Burden
  • Self Build
    • Scotland Self Build Loan Fund
    • Self Build Stories
    • Self Build Plots
    • What is Self Build >
      • Finding Land
      • Finance and Fees
      • Case Studies
    • Dr and Mrs J. Steven Faulds Memorial Fund
  • Projects
    • Rent To Buy
    • Strontian Community School
    • Greener Homes
    • Empty Homes
    • Woodland Crofts
    • The Glengarry Model
    • Long Lease
    • Key Worker Housing
    • Skills Development Programme
  • Tenants
    • TENANT INFO
    • Tenant Testimonials
  • News
    • Blog
    • Recruitment
  • Contact
    • Employee List
    • Complaints Procedure
  • Privacy Statement
    • Opt Out Page
    • Subject Access Requests
    • Withdrawal Consent Form

Rent to Buy

The Rent To Buy scheme was conceptualised by CHT in response to the Scottish Government’s call for innovative new projects to deliver housing in rural areas. CHT recognised that it was becoming increasingly difficult to secure mortgages due to the large deposits required.

​The Rent To Buy Scheme (RTBS) helped people who wish to become home owners by allowing them to rent a new home for up to 5 years whilst saving up for a deposit.

The RTBS aimed to help people who are on modest incomes to become home owners in rural communities by returning a cash-back “loyalty” sum to the tenant at the end of their 5 year rental period if they purchase the property. This sum is used towards the deposit required to secure a traditional mortgage. The tenant becomes the owner!

​Another benefit is that the house price is fixed at the outset, which means that if house prices increase over the 5 years, the purchasers will not have to pay any more.

Since 2011, a total of 63 homes have been provided in 28 communities. The scheme was developed to be replicable throughout Scotland.

​Read more in the full factsheet below:
Rent to Buy Factsheet
File Size: 2041 kb
File Type: pdf
Download File

The Rent To Buy Scheme was a finalist in the World Habitat Awards 2015, which ​recognises and highlights innovative, outstanding and sometimes revolutionary housing ideas, projects and programmes from across the world.

The Awards are organised in partnership with UN Habitat. 
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Completed Rent To Buy Projects

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Rent To Buy Phase 1, Shieldaig
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Rent To Buy Phase 1, Dornoch
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Rent To Buy Phase 1, Beauly
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Rent To Buy Phase 1, Gairloch
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Rent To Buy Phase 1, Fodderty
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Rent To Buy Phase 1, Lochcarron
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Rent To Buy Phase 1, Auldearn
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Rent To Buy Phase 2, Dornoch
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Rent To Buy Phase 2, Acharacle
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Rent To Buy Phase 2, Invergarry
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Rent To Buy Phase 2, Inverarnie
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Rent To Buy Phase 2, Auldearn
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Rent To Buy Phase 2, Balmacara
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Rent To Buy Phase 2, Kyleakin
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Rent To Buy Phase 2, Shieldaig

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