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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