Currently renting and want to get onto the property ladder?

….You can, with Home Reach Step One

Home Reach Step One provides your first step on the property ladder - a route to home ownership without the need for a deposit or a mortgage and at a very affordable monthly cost.

With Home Reach Step One, heylo will gift you 1% share of your chosen property, you can choose to purchase more shares (initially up to 25%) at any time.

You will receive our standard Home Reach, part buy - part rent lease and pay a low monthly rent on the remaining shares. Gifting the 1% means you are able to live in the home as if you’ve bought it outright.

What are the costs associated with Home Reach Step One:


  • You will need to pay rent on the shares you do not purchase, this is collected monthly via directly debit. Rent is charged at 2.75% and increases annually with RPI + 0.5%

Reservation Fee

  • You will need to pay a £99 reservation fee to secure your Home Reach Step One home, this will be deducted from your completion statement

Legal Fees

  • As with any property purchase there will be legal fees associated with associated with acquiring your 1% share, we estimate you will need around £1,500

Admin Fee

  • heylo charges a monthly admin fee for managing your lease, this is paid via direct debit with your rent

Building Insurance

  • heylo as your landlord will take out buildings insurance for your property and recharge this back to you annually. When completing your purchase, your solicitors will be able to advise you of the final cost for this compulsory insurance.

Estate Charge/Service Fee

  • You will need to pay the housebuilder directly for any estate or service charge fees associated with your home.

On Completion

  • You will need to pay the rent and admin fee for the remaining days of the month in which you complete and for the following month. This is not an additional admin or months rent, rent is pay in advance to allow time for your direct debit to be set up. Rent and admin fee will be collected via direct debit in your third month. 

You will be eligible for Home Reach 1 at Rose Gardens, if:

  • You live or work within Ribble Valley

  • Your household income is above £15,000

  • You are a first-time buyer or used to own a home, but cannot afford to buy outright and do not currently own a property

  • The property you will be your principle and only home

Rose Gardens

Clitheroe, BB7 1FF

About Rose Gardens:

Clitheroe enjoys the glorious surroundings of the Ribble Valley and easy access to a wide range of attractions and amenities. This ancient market town dates back to Saxon times and Clitheroe Castle, said to be the smallest Norman castle in England, is now home to a Museum and 16 acres of landscaped gardens which offer attractions to appeal to every age group. They include a bandstand, children’s playground, skatepark and Lancashire’s first Labyrinth.

The Rose Garden also features quirky metal and limestone sculptures.

The Rosebay - 2 bedroom house

This well designed property makes the ideal first home. There is a spacious lounge positioned at the rear allowing the feature French doors to open onto the garden. The practical kitchen is accessed from the hallway and there is also a downstairs cloakroom for added convenience.

Upstairs are two generous double bedrooms, separated by the stylish bathroom. Complete with integrated fridge/freezer, washing machine, oven and hob.

Rent includes estate charge.

Rent from £385 a month*

The Marigold - 1 bedroom apartment

A light and airy 1-bedroom apartment with plenty of hidden storage.

A practical kitchen/dining and living area stretches the length of the apartment. All rooms as easily accessible from the main hall.

Complete with integrated fridge/freezer, washing machine, oven and hob.

Rent includes service charge and estate charge.

Rent from £305 a month*

The Bellflower - 2 bedroom bungalow

A spacious 2-bedroom bungalow with kitchen/dining and separate lounge with French doors opening onto the garden.

A stylish bathroom with bath easily accessible from the spacious hallway.

Complete with integrated fridge/freezer, washing machine, oven and hob.

Rent includes estate charge.

Rent from £373 a month*

Name *
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