Affordable Housing in Merseyside
If you are hoping to rent or buy an affordable home in Merseyside, the first contact is usually the council or a housing association, not the developer. They decide who is eligible and who is offered each home. Developers such as Land to Homes deliver affordable homes, often secured through planning obligations, and hand them to a registered provider to manage or sell.
MerseysideRegister your interest
Tell us where you want to live and what you need. Free, no obligation.
Registering interest is not a housing application. Social and affordable homes are allocated by councils and housing providers through their own lists.
Prefer to talk? Call 0800 088 6248.
- Free to registerNo fees, no deposit, no obligation
- Hear firstIf homes are released near you
- Affordable homesWith councils and housing associations
- Clear informationTenure, specification and warranty
- UK-wideEngland, Wales, Scotland and NI
New homes around Merseyside
We cover 17 places across Merseyside: Liverpool is the main one, alongside Garston, Kirkby and Speke. Next door, we also cover Cheshire, Greater Manchester and Lancashire.
People registering interest around Merseyside can tell us whether they want homes for affordable rent, one- and two-bedroom apartments or larger family homes. As Merseyside is in England, applications are judged against the National Planning Policy Framework, and the buyer of land pays Stamp Duty Land Tax (SDLT).
Register for Merseyside and we will contact you if we bring homes forward nearby.
What we offer in Merseyside
Delivered through planning
Affordable homes are usually secured by a planning obligation, such as a Section 106 or Section 75 agreement, agreed with the council at planning stage.
Register interest
You can register interest with us, and we will point you to the council or provider responsible if affordable homes come forward on one of our sites.
Help for landowners
We explain how affordable housing requirements affect what a site is worth, so landowners understand an offer rather than just receiving one.
Designed to fit in
We design affordable homes to sit alongside homes for sale and spread them through a scheme, so the tenures are hard to tell apart.
Planning in Merseyside: the English rules
Councils and housing associations around Merseyside can bid for grant through Homes England's Social and Affordable Homes Programme, which funds Social Rent, Affordable Rent at up to 80% of market rent, and shared ownership. Landlords of the rented homes must be registered with the Regulator of Social Housing. National policy also expects local plans to set a minimum Social Rent proportion for major development. Land to Homes is ready to discuss sites, partnership and delivery.
In England, affordable housing is defined in the National Planning Policy Framework and is usually secured through Section 106 agreements. Homes are transferred to registered providers regulated by the Regulator of Social Housing. Grant funding is usually channelled through Homes England, or the Greater London Authority in London. Tenures include social rent, affordable rent, shared ownership and discounted market sale.
| National planning policy | National Planning Policy Framework (NPPF), revised August 2026, with national planning practice guidance |
|---|---|
| Local planning document | Local Plan |
| Who decides applications | The local planning authority, usually the district, borough, city or unitary council (or a national park authority) |
| In-principle consent | Outline planning permission, with reserved matters approved later |
| Land transaction tax (paid by the buyer) | Stamp Duty Land Tax (SDLT) |
| Land registration | HM Land Registry |
| How a sale becomes binding | A land sale becomes legally binding on exchange of contracts and finishes on completion, after which the buyer registers the title with HM Land Registry. |
| Developer contributions | Section 106 planning obligations, plus the Community Infrastructure Levy (CIL) where the council charges it |
Questions about Affordable Housing in Merseyside
What is shared ownership?
Shared ownership lets you buy a share of a home, usually with a mortgage, and pay rent to the housing provider on the remaining share. You can normally buy further shares over time, which is known as staircasing. Schemes and rules differ by nation and by provider, so check the details and take independent legal and financial advice before committing.
What counts as affordable housing?
Affordable housing is housing for sale or rent for people whose needs are not met by the market, provided on terms set by planning policy. It typically includes social rent, affordable rent, shared ownership and discounted market sale. The exact definitions differ by nation: England's are in the National Planning Policy Framework, and Wales, Scotland and Northern Ireland set their own.
What is the difference between social rent and affordable rent?
Social rent is the lowest-cost rented housing, with rents in England set using a government formula and kept low by policy or regulation elsewhere. Affordable rent, used mainly in England, is set by reference to local market rents and is usually higher than social rent. Both are let by councils and registered providers to eligible households.
Can I register interest in an affordable home with Land to Homes?
Yes, but registering with us is not an application and does not affect eligibility. If a site we bring forward includes affordable homes, we will tell you which council or housing provider is responsible so you can apply through them. You should also register directly with your council and with housing associations in the area.
Can I register for new homes in Merseyside?
Yes. Registering for Merseyside is free and does not commit you to anything. There are no homes available yet; if we bring homes forward in or near Merseyside, we will contact you.
Read more: Affordable Housing · Guide: How affordable and social homes are delivered across the UK