Retirement Scheme Eligibility Checker

Home Group’s retirement schemes, known as Independent Living developments, help make your retirement living enjoyable and provide a great start to a whole new beginning. Our properties and services allow you to ease into your new life as smoothly as possible.

Who is eligible?

Home Group's retirement schemes are designed for those who are unable to afford a suitable retirement property on the open market without the benefit of a ‘payment discount’.

However you will need to demonstrate that you can afford the costs associated with owning a leasehold shared ownership property and be able to pay the service charge. We would never encourage you to take on a home that you could not comfortably afford the running costs for. You will be asked for proof of savings and income, along with the value of your current home.

An age restriction applies to at least one of the purchasers of each of our leasehold properties. This may be as low as 50 or right up to 60+. You must also be able to demonstrate you are capable of Independent Living.

Generally there are three different housing situations for an older or retired person in a retirement community.

  • Independent living means the elder is living in their own self-contained leasehold home as part of a larger retirement community.
  • Assisted living means the individual is dependent on a care plan and or domestic support package; must have daily assistance with practical matters like getting dressed, shopping, and maintaining their home.
  • Nursing care involves the individual having regular medical care and support in a live-in setting that is similar to a hospital.
(Independent Living’ means owning your own home, in a purpose built development, that on a daily basis you are capable of maintaining; managing your own financial affairs, day-to-day living needs and are sufficiently mobile to live independently within the property and able to evacuate the building unassisted in the event of a fire, capable of using communal areas and joining in the activities and events on offer without assistance.)

Please note: as part of our standard application process we will be seeking confirmation of your medical status from your GP.

Our main requirement is that you can demonstrate you are capable of independent living and meet the development age criteria.

Find out more about Assisted Living or Nursing / Care Homes on

To be eligible for one of these properties you should be able to say NO to all the following questions:

  • Do you have any history of memory loss, or signs of the onset of dementia?
  • Would you need a lift or other support to be able to evacuate the building in the event of an emergency?
  • Have you been in hospital within the last 12 months?
  • Do you need a support package to enable you to live independently and, if so, what does this consist of?
  • Do you need assistance with bathing and or dressing?
  • Do you need help to get around your home and up/down stairs?
  • Lastly, is there any other matter or issue that does or may restrict your ability to achieve independent daily living?

If you've said yes to any of them then please contact us on 0191 222 8888. We may still be able to help.