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Creating places to call home

AHTO (Affordable Homes to Own) works with Housing Associations, Local Authorities and selected partners across the UK to deliver innovative financing solutions that sustainably and materially increase the supply of affordable housing, helping more people on to the path to owning their own home.

About AHTO

About AHTO

Established in 2020, AHTO is a specialist property investment and asset management company that acts as a conduit to institutional capital into the affordable housing market, working with Housing Associations, local authorities, developers and selected partners to deliver affordable housing.

The committed team at AHTO is led by Managing Director, Linda Robinson who brings over 25 years of property experience in both the public and private sectors. At AHTO we pride ourselves on our flexibility, our enthusiasm for engaging proactively with all stakeholders with a partnership approach and our ability to consistently deliver on our promises.

AHTO are actively acquiring high-quality affordable homes from large national housebuilders, as well as development land with £1bn of institutionally backed funding to invest over the next five years. At AHTO we strive to help as many people as possible in achieving the dream of owning their own home.

Our Mission

We understand that owning a home is not just about bricks and mortar. It’s about providing for your family, saving for the future, and having roots in a community. The Government and many local authorities are determined to act to close the gap between those who can and those who cannot afford to buy their own home. The barriers to greater home ownership derive from a chronic undersupply of affordable homes to buy, difficulty with the cost of mortgages and saving for a deposit.

AHTO's innovative and bespoke Intermediate-Rent-to-Buy (IRTB) solution, that is National Planning Policy Framework (NPPF) compliant, supports the Government’s levelling up agenda and local councils’ efforts to help thousands more onto the housing ladder. 

Widening Home Ownership

How it works

How it works

AHTO’s IRTB product allows customers to pay an affordable rent whilst saving for a deposit. At regular intervals, with customers more likely to have saved up for a deposit, customers can then purchase the home that they are living in from AHTO at a discount to open market value.

 

 

Whilst customers are paying an affordable rent, it helps them to save whilst allowing them to build their credit profile. A superior credit rating, together with the ability to have saved for a deposit will allow customers to have a greater chance of owning their own home.

Our Proccess


AHTO purchases affordable units at a discount to OMV (Open Market Value) using institutional capital
20yr fully repairing and insuring lease with HA (5yr breaks)
HA identifies suitable tenant and tenant rents for 5 years. HA retains a proportion of the rent to cover operating costs
Sale of unit to tenant - tenants are given the opportunity to purchase their home for a 10% discount to OMV
Sold units are replaced where possible in the affordable marketplace
Jeremy Isaacs CBE Senior Advisor Jeremy brings close to four decades of financial services industry and investment experience to AHTO. Jeremy participates in numerous philanthropic activities, holding a range of positions, including Trustee of The J Isaacs Charitable Trust and Trustee of the Noah’s Ark Children’s Hospice. Jeremy has previously served as non-executive director of Imperial College Healthcare NHS Trust 2003-16; Member of British Olympic Advisory Board 2007-12 and the Bridges Development Fund Advisory Board, 2008-2018.
Roger Nagioff Senior Advisor Roger is a Senior Adviser to AHTO, and has 35 years of operating and investing experience in the financial services and real estate industries. Roger has held senior positions at large financial institutions across business lines in Europe and the United States.
Alasdair Hadden-Paton Non-Executive Director Alasdair is Non-Executive Director of AHTO, and has 35 years experience in the luxury goods, hotel, property investment and venture capital sectors. As a chartered accountant, Alasdair has held several Finance Directorship roles across various industries. Alasdair is vice chairman of the charity The Starlight Children's Foundation.
Peter Sugarman Chairman Peter is Chairman of AHTO, and brings over three decades of financial services and transactional experience, as well as holding senior positions in a wide variety of industries. A tax and regulatory policy expert, he is closely involved in the development of regulatory controls and strategy, as well as compliance issues.
Linda Robinson Managing Director Linda brings over 25 years property experience in both the public and private sector, as a Chartered Surveyor and Member of the Chartered Institute of Housing. Prior to joining AHTO, Linda was Development Director at The Guinness Partnership and Metropolitan Housing Association, as well as a Director of FPD Savills and Colliers Jardin in Hong Kong, Asian Pacific Rim. At TGP, Linda was responsible for the largest land transaction at Imperial Street, delivering 965 new homes (c.57% affordable).
Sam Senchal Chief Investment Officer As Chief Investment Officer of AHTO, Sam brings 12 years of experience in Mergers and Acquisitions, Structured Finance and Pension Solutions having held positions at large financial institutions. Sam provides a conduit to AHTO's institutionalised capital raises as well as sourcing large real estate transactions.
Ranjeet Sandhu Chief Operating Officer Ranjeet is Chief Operating Officer of AHTO, and brings over ten years of financial services industry and real estate experience. Prior to joining AHTO, Ranjeet managed the financial, operational and compliance functions of an investment boutique and gained his Chartered Accountancy qualification at Deloitte LLP, over a six year tenure.

The
Team

We are committed to creating thriving communities, and provide a home ownership model that seeks to address the chronic supply of affordable homes in England and Wales.

Get in touch to speak with our team about a partnership today.

Get in touch

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Privacy Policy

Protecting and using your personal data responsibly is very important to us. This Privacy Policy lets you know what happens to any personal data that you provide to us, or any that may we collect about you, when you visit our website, or contact us directly.

This policy applies only to personal information processed by or on behalf of AHTO Group Ltd.

We may collect information from you when register your interest in our services, have an enquiry made on your behalf, contact us by telephone.

If you are making an enquiry on behalf of another person, you should draw their attention to this policy which sets out how we will use their information.

We may update this notice from time to time to reflect changes to the type of personal data that we process and/or the way in which it is processed. We will update you on material changes to this notice by email. We also encourage you to check this notice on a regular basis.

 

About us and how to contact us

We are AHTO Group Ltd (AHTO), a company incorporated in the United Kingdom, and we are the controller of your personal data. Our address for service is 70 Conduit Street, London, W1S 2GF.

Where we refer to ‘we’ ‘us’ or ‘our’ this refers to AHTO.

 

What personal data we collect, and why

Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (known as anonymous data).

We use the personal data we collect about you for various purposes. European data protection legislation sets out specific “lawful bases” for processing personal data. The table below sets out under which bases we process different information about you, and explains the purpose of that processing. Please note that we may process your personal data for more than one lawful basis depending on the specific purpose for which we are using your data. Please contact us if you need details about the specific legal ground we are relying on to process your personal data where more than one ground has been set out in the table below.

 

Your Information    

Our lawful bases for Processing

Our purpose for such processing

Title and name
  • To comply with a legal obligation
  • To contact you with communications about your enquiry

 

Contact details (including email address, and phone number)
  • To comply with a legal obligation
  • For customer relationship management and for our record keeping purposes
  • To contact you with communications about your enquiry

 

Communications with us
  • To comply with a legal obligation
  • To take any actions required as a result of your communications with us
  • For customer relationship management and for our record keeping purposes

 

Your use of our Website, and your activities on the Website
  • To comply with a legal obligation
  • Website

 

Providing your personal data is not a legal requirement, however, the information requested on our Website or notified to you as being required when you speak to one of our representatives is required in order for us to provide our services, as we are unable to respond to your enquiry effectively and appropriately manage our service to you without this information.

We do not use your personal data for automated decision making.

We do not collect any special categories of personal data about you (this includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health, and genetic and biometric data) and we ask that you do not provide this to us. We also do not collect any information about criminal convictions and offences.

 

How we collect your personal data

The information we collect from you is mainly through direct interactions on our Website where you give us your contact details by filing in forms or corresponding with us by phone, email or otherwise. This includes personal data you provide when you request marketing materials to be sent to you, or when you give us feedback or contact us directly.

 

Who we share personal data with

We may share your personal data with the parties set out below for the purposes set out in the table (purposes for which we will use your personal data) above:

 

How long do we keep your personal data for?

We will only retain your personal data for a limited period of time. This will depend on a number of factors, including:

 

How we keep your data secure

We will take specific steps (as required by applicable data protection laws) to protect your personal data from unlawful or unauthorised processing and accidental loss, destruction or damage.

 

Your legal rights

Under certain circumstances, you have rights under data protection laws in relation to your personal data. We have set these out below.

Rights you may request:

You also have the right to request the following rights set out below, if we process your data in certain circumstances. We may need further information to consider your request:

In all cases you may have the right to:

 

Requesting your rights

You may request any of the rights outlined above by emailing info@ahto.co.uk.

If you wish to exercise any of your rights please contact info@ahto.co.uk in the first instance.

You also have the right to lodge a complaint with the Information Commissioner’s Office, which is the UK data protection regulator. More information can be found on the Information Commissioner’s Office Website at https://ico.org.uk/.