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Affordable Property Program Agreement
Rent To Buy Solution Terms & Conditions / Terms of Business

1. These Terms & Conditions

1.1 We are Andersons & Co. UK Ltd, a company registered in England No 14106369 with the registered office address at 11 St Paul’s Square, Birmingham, B3 1RB, United Kingdom (and we refer to ourselves as “Andersons & Co. UK Ltd”, “Andersons & Co.”, “Agency”, “Service Provider”, “Company”, “we”, “us” or “our” in this document).
1.2 Should you have any comments, queries, suggestions or complains about Andersons & Co. UK Ltd or our services, you can write to us at: Customer Service, Andersons & Co. UK Ltd, 11 St Paul’s Square, Birmingham, B3 1RB, United Kingdom or email us to:
customer.service@andersons-co.uk
1.3 These Terms & Conditions were most recently updated on the
15th of October 2025.
1.4 We shall keep a copy of these Terms & Conditions.
1.5 You are advised to also keep a copy of these Terms & Conditions and each amended version for your own records and future reference.

2. Definitions

2.1 In the Terms & Conditions of this Programme, unless the context otherwise requires: “Affordable Property Programme”, “Affordable Property Solutions”, “Rent to Buy Solution”, “Rent to Buy”, “Property Programme” or “Programme” means the service provided by the Andersons & Co. UK Ltd together with some further ancillary services, where relevant;
“Prospective Client”, “Client”, “ Participant”, “Occupier”, “Tenant”, “Buyer” or “Tenant-Buyer” means any person expressing an interest in the Rent to Buy Affordable Property Programme having completed the Registration process and paid the Registration Fee;
“Client”, “Participant”, “Tenant” or ”Buyer” means any person who has successfully registered to use some or all of the Affordable Property Programme aspects;
“Participant-Buyer”, “Occupant-Buyer” or “Tenant-Buyer” means a client who has successfully completed the mandatory 3 years of the tenancy;
“Property” means a property available within the Programme;
“Property Details” means material relating to a Property;
“Fee” means any fee charged by Andersons & Co. UK Ltd and other monies collected by the Company will be payments into your deposit or rental account, instalments and any other mutually agreed payments;
“Indemnity” is defined in Clause 13;
“Liability” is defined in Clause 14;
2.2 In the Terms & Conditions of this Programme:
2.2.1 References to Clauses are to the clauses of this Agreement;
2.2.2 Words importing a gender shall include the other gender and the neutral;
2.2.3 The singular includes the plural and vice versa;
2.2.4 The headings to clauses are inserted for convenience only and shall not affect the interpretation or construction of this Agreement;
2.2.5 References to “includes” or “including” or like words or expressions shall mean without limitation;
2.2.6 References to any statute or statutory provision shall include any subordinate legislation made under it, any provision which it has modified or re-enacted (whether with or without modification) and any provision which subsequently supersedes it or re-enacts it (whether with or without modification); and
2.2.7 References to “written” or in “writing” (except in respect of sending a notice in accordance with this Terms & Conditions) includes in electronic form.
2.3 Andersons & Co. UK Ltd reserves the right to amend these Terms & Conditions at any time. All amendments to these Terms & Conditions will be held at our office for your inspection at any time. We may introduce the changes with or without notice to you, although where we reasonably consider the changes to be significant, we shall endeavour to give at least 30 days’ warning of the changes. However, in any event, you are responsible for reviewing information, which is available at www.andersons-co.uk/tac.
2.4 If you do not wish to be bound by the new or revised Terms & Conditions you may terminate this Program Agreement by informing us by post giving 2 months notice to the Company address (see Clause 1.2) and cease using Rent to Buy Solution of Affordable Property Programme accordingly. Terms & Conditions will apply.
2.5 If you continue to use the Programme you will be deemed to constitute your acceptance of the new or revised Terms & Conditions.

3. Registration for the Rent to Buy Solution Affordable Property Programme and becoming a Client / Programme Participant

3.1 In order to become a Programme Participant you will need to apply for registration onto the Rent to Buy Solution Affordable Property Programme and pay your registration fee.
3.1.1 Upon registration you will receive your Programme Unique Reference Number (URN) to use with all communication with your Service Provider.
3.1.1 The registration fee is the only charge payable to the Company for the Affordable Property Solutions service covered by this Terms & Conditions and is non-refundable.
3.2 Please note that to become a Programme Participant you must be 18 years of age or over.
3.3 You don’t have to be a British Citizen to register with the Programme.
3.4 The Company reserves the right to decline registrations / applications at its sole discretion, without obligation to provide feedback or disclose the reasons of its decision.
3.5 To register for the Program you will need to supply us with the following information: your full name, date of birth, residential address, email address, telephone or mobile phone number, your photographic ID and your National Insurance Number (if applicable), your employment type (if you are employed).
3.6 Residential property search and acquiring instruction:
In order for the company to properly provide its services, you are required to provide details regarding your 3 preferred locations, property type, size, and other information necessary to provide you with the service you have commissioned and to fulfil applicable legal obligations.

4. Timeline

4.1 Due to the specific characteristics of the current real estate market, the Company cannot provide an exact time scale for the property acquisition, but will endeavour to provide you with a property within your requirements in your chosen location with utmost urgency.
4.2 After finding a suitable property for you and your agreement to purchase it, the exchange of Deeds ( to the Company ownership) typically may take between 2 and 4 months.
4.3 Renovation and modernization of the property may also take 3 to 6 months.
4.4 In the initial phase, and even during the renovation, the engineers can take into account your direct suggestions and individual needs, as long as it is feasible and does not exceed the budget allocated for the renovation.
4.5 In the order to meet legal requirements or in the event of Force Majeure or other unforeseen events, we may need additional time to fulfil the necessary obligations, if possible.
4.6 A deposit will be required upon handover of the property to enable the signing of the tenancy agreement.
4.7 The required deposit is the equivalent of 2 months’ rent, but not less than £6,000.
4.8 You may purchase more than one property under this Programme.
4.9 This can be much earlier, but the company reserves the right to a minimum period of no less than 12 to 14 months to find and acquire a suitable property.
4.10 If, within 24 months of registration in the Program, during continuous operation, we are unable to offer you any property that meets your specifications, you have the option to extend the search or withdraw from the Programme.
4.11 If you withdraw from the Program after 24 months due to not receiving any offers, the Company will refund the Registration Fee without any deductions.
4.12 After selecting a property and signing the Tenancy Agreement you must complete the obligatory 3-year tenancy period to fully benefit from the Program and proceed to the Property Purchase Plan.

5. Payments

5.1 Please note that you will always be informed clearly of any applicable fees before you go ahead with any aspect of the Programme.
5.2 Acceptable methods of payments are postal orders, bank transfers, banker’s drafts or cash payments. We do not accept credit cards or personal cheques.
5.3 If you default on any of your agreed payments you could be disqualified from the Programme and could be evicted if relevant.
5.3.1 However, in certain circumstances we will aim to avoid this by seeking alternative and achievable form of rent, instalments or payment plans.
5.4 You must have the authority to use the payment method you provide to pay us.
5.5 We do not require VAT on your rent, instalments or deposit payments.
5.6 We will provide you with quarterly statements (or monthly on demand) indicating funds within your rent and/or your instalments or Property Purchase Plan (PPP) payments (if relevant).
5.7 We will inform you immediately if our bank details will change during the course of a transaction.
5.8 The Company will not take any responsibility for any loss if you transfer money to a wrong or false bank account.
5.9 You must undertake appropriate checks to confirm our bank details before you transfer money.
5.10 All participants must be aware of potential cybercrime and fraud.

6. Variable Payments Fees & Charges

6.1 Registration Fee – payable on registration £1,495.00
6.2 Rental Deposit - payable on signing the tenancy agreement:
2 months rent, but not less than (whichever is greater) £6,000.00
6.3 Withdrawal from the Programme at the property purchase stage, following your purchase approval is 2.5% of the property purchase price.
6.4 Withdrawal from the Programme within the first 3 years of tenancy
- refund of deposit in full minus mutually agreed refurbishment
cost (if any)
- no equity release
- admin fee £1,795.00
6.5 Withdrawal from Programme in the 4th year of tenancy or later:
- refund of deposit in full minus mutually agreed refurbishment
cost (if any)
- the equity release - 25% of your paid rent
- admin fee £1,795.00
6.6 Mutual Exchange (admin fee per property) £2,495.00
6.7 Each Tenant is financially responsible for any damage to the condition of the occupied property made by the Tenant - excluding usual “wear and tear”.

7. Mutual Exchange

7.1 You must not enter into an agreement or arrangement with another Programme Participant unless you expect to be able to fulfil the agreement or arrangement with that other Participant.
7.2 You will be required to pay a mutual exchange administration fee of £2495 (see Clause 6.6).
7.3 You will also be required to obtain written consent from the Programme Administrators.
7.4 It is your responsibility to ensure that you have sufficient information about the other property or property requirements or situation before you enter into any legally binding obligations with them.
7.5 You will be required to cover the costs of any legal fees together with Company administration costs that may accrue.

8. Terms of Contract

8.1 The terms and conditions of this Program Agreement shall commence on the date which you agree to this Agreement, by completing and signing the Application Form. Your Participation will commence as soon, as your Application Form and has been received.
8.2 The term of the contract is within 4 phases:
I Registration;
- payment of registration fee
- completing and signing the application form
II 3 year mandatory tenancy term to complete;
- signing the tenancy agreement
- paying the rental deposit
III Entering Property Purchase Plan
- calculating your current property ownership
- signing Property Purchase Plan Agreement
IV Transfer of Deeds to the Tenant-Buyer (ownership)

8.3 Transfer of Deeds can be made following the 3 year obligatory tenancy term, however this is not necessary and property can remain the responsibility of Andersons & Co. till the end of contract.
8.4 If a Transfer of Deeds is required all legal and administrative costs as well as remaining, unpaid part of property price shall be met by the Programme Participant / Tenant-Buyer. The Participant is required to cover these costs as the Company covered financing the purchase and all the initial, legal and administrative costs involve in the purchase of the property.

9. Provision of and Programme Participation

9.1 Our provision of and your participation in Rent to Buy Solution Affordable Property Programme is subject to these Terms & Conditions.
9.2 As the Programme Participant or Tenant / Buyer you agree to comply fully with any agreement or arrangement you make with the Company.

10. Your statutory rights

10.1 As a Participant, nothing in this Programme Agreement affects your non-excludable statutory rights.

11. Material - General Rules

11.1 You acknowledge that any examples, advice, recommendations or suggestions that we may provide through the Program are for information only, and that they may not apply or be relevant to you or to your specific circumstances.
11.2 It is entirely your responsibility to do whatever is right for you or in your best interest and we will not be held liable for any information given.
11.3 We will endeavour to provide you with accurate Property Material however we cannot be held responsible for any omission and mistakes as in most cases the information is provided by the third parties.
11.4 To register you must be 18 years of age or over.
11.5 You don’t have to be UK resident or citizen to register with the Programme.
11.6 You agree to comply at all times with any instructions of the Programme Management.
11.7 No information given shall constitute advice specific to your circumstances or a recommendation. You should take appropriate professional advice in relation to the Program, if deemed necessary. We are not licensed by the Financial Conduct Authority to provide investment advice. Please be aware that property values can decrease as well as increase.
11.8 You agree not to circumvent the Program under any circumstances.
11.9 When we provide Material supplied by others, we are dependent on data provided by them. We do not warrant and we exclude all liability in respect of the accuracy, completeness, currency, fitness for purpose or legality of any information.
11.10 We will use reasonable effort to correct any errors or omissions in the Program and our publications as soon as practicable after being notified of them. However, we do not guarantee that the Program will be free of faults and we do not accept liability for any errors or omissions. If you notice any errors, please report them in writing, either by post or by email.
11.11 When becoming a Participant of the Programme you must not:
a) use the Program in any way which breaches any laws, regulations, byelaws, codes of practice, licences, registrations, permits or authorisations;
b) use the Program for any fraudulent, criminal or unlawful purpose or for inciting, encouraging or enticing any fraudulent, criminal or unlawful purposes;
c) impersonate any other person or body or misrepresent a relationship (or a lack of a relationship or a different relationship) with any person or body (including wrongfully suggesting we have endorsed or recommended you);
d) do anything contrary to the Company or Programme policies and procedures or this terms and conditions;
e) act in a discriminatory way;
f) do anything in a way that we consider may be contrary to our legitimate business interests;
g) agree any mutual exchange without our prior written consent;
h) commit any acts likely to affect the integrity of the Program negatively;
i) interfere or attempt to interfere with the proper working of the Program.

12. Termination of Programme Agreement

12.1 You may terminate this Programme Agreement at any time by informing the Company Management by post giving 2 months’ notice to the Company address (see Clause 1.2) and cease using Programme accordingly.
12.2 If you wish to terminate Participation in the Programme during the obligatory 3 year tenancy term, we require a minimum of 2 months’ notice and you will be required to vacate the property forthwith, as this is deemed a breach of Programme Agreement.
12.3 In the event of a breach of the Property Purchase Plan you will have 2 months to vacate the property. It is solely your responsibility to remove your belongings from the property address. Any belongings left in the property will be disposed of in the appropriate manner. Costs incurred in the disposal of said belongings will be deducted from any refund due.
12.4 Any unused funds held in your Programme account (refer to your Programme reference number) will be reimbursed in accordance with these Terms & Conditions but no earlier then 28 days succeeding Company’s annual accounts. Terms & Conditions will apply.

13. Indemnity

13.1 You shall fully and promptly indemnify and keep indemnifying us against all liabilities, losses, damages, injuries, costs, expenses, fines, demands, claims and proceedings suffered or incurred by us arising (directly or indirectly) out of:
13.1.1 any claims or legal proceedings arising from your participation in the Rent to Buy Solutions Affordable Property Programme.

14. Limitations of liability

14.1 Clause 14 prevails over all other Clauses and sets forth our entire Liability, and your sole and exclusive remedies, in respect of:
14.1.1 the performance, non-performance, purported performance or delay in performance of the services provided by the Company.
14.2 Nothing in this Programme Agreement shall exclude or limit our liability for (i) the tort of deceit; (ii) death or personal injury caused by our Breach of Duty; (iii) any breach of the obligations implied by s.12 Sale of Goods Act 1979 or s.2 Supply of Goods and Services Act 1982; or (iv) any other Liability which cannot be excluded or limited by applicable law.
14.3 In performing any obligation under this Program Agreement, our only duty is to exercise reasonable care and skills.
14.4 We do not warrant and we exclude all Liability in respect of the accuracy, completeness, fitness for purpose or legality of any information accessed during your participation in the Program.
14.5 Save as provided in Clause 9.2, we do not accept and hereby exclude any Liability for loss of or damage to your (or any person’s) tangible property other than that caused by our Breach of Duty.
14.6 Save as provided in Clauses 9.2 and 9.5, we do not accept and hereby exclude any Liability for Breach of Duty other than any such Liability arising pursuant to the terms of this Program Agreement.
14.7 Save as provided in Clause 9.2, we shall have no Liability for:
14.7.1 loss of revenue;
14.7.2 loss of actual or anticipated profits;
14.7.3 loss of contracts;
14.7.4 loss of the use of money;
14.7.5 loss of anticipated savings;
14.7.6 loss of business;
14.7.7 loss of operation time;
14.7.8 loss of opportunity;
14.7.9 loss of goodwill;
14.7.10 loss of reputation;
14.7.11 any indirect or consequential loss;
and such Liability is excluded whether it is foreseeable, known, foreseen or otherwise. For the avoidance of doubt, Clauses 14.7.1 to 14.7.10 apply whether such losses are direct, indirect, consequential or otherwise.

15. Data protection

15.1 In order to disclose to any third party any details of any Programme or Solution offered by the Company, you must obtain the express written consent of Andersons & Co. UK Ltd.
15.2 We will abide by the Data Protection Act 1998 (with the updates) in respect of all of your personal details.
15.3 We will also abide by GDPR in respect of all of your personal details.

16. Intellectual property rights

16.1 All intellectual property rights of any nature anywhere in the world (including all copyright, database rights, patents, trade marks, service marks, trade names, designs (including the “look and feel” and other visual or non-literal elements), whether registered or unregistered) in any Programme or service provided by the Company, shall remain property of Andersons & Co. UK Ltd. You shall not, and shall not attempt to, obtain any title to any such intellectual property rights.
16.1.1 All rights not expressly granted by us are reserved.
16.2 None of the material described in Clause 16.1 may be reproduced or redistributed under any circumstances.
16.3 You shall not otherwise reproduce, modify or copy or distribute or use for commercial purposes any of the materials under any circumstances.
16.4 All rights (including goodwill) in the Rent to Buy names and logos are owned by Andersons & Co. UK Ltd.

17. Confidentiality

17.1 The Rent to Buy Solution Affordable Property Programme and its semi-social aspects contain confidential and proprietary information that is not for general or public distribution. However in the interests of increased transparency the Company makes this information available to the Prospective Clients, Participants, Tenants and Buyers, therefore Prospective Clients, Participants, Tenants and Buyers must agree to the terms and conditions set out below.
17.1.1 Confidential Information for the purposes of this Agreement shall mean ALL information relating to the Programme, regardless of whether it is written, oral, audio tapes, video tapes, video discs, computer discs, designs, specifications, drawings, human or machine readable documents or materials, etc.
17.2 Use of Confidential Information, you agree to:
17.2.1 Receive and maintain the Confidential Information in confidence;
17.2.2 Not reproduce or distribute the Confidential Information or any part thereof without the express consent of Andersons & Co. UK Ltd;
17.2.3 Limit dissemination of the Confidential Information and disclosure to those business sources, affiliates and associates to those who have a need to know and an obligation to protect it;
17.2.4 Not use the Confidential Information or any part thereof as a basis for the design or creation of any development plan similar to that embodied in the Confidential Information;
17.2.5 Not use the Confidential Information to unfairly compete or obtain an unfair advantage in any commercial activity.
17.3 Return of Confidential Information
17.3.1 All information provided by the Company shall remain the property of the Company.
17.3.2 You agree to return all Confidential Information to the Company within 7 days of written or verbal demand by Andersons & Co. UK Ltd and immediately on termination of any Agreement.
17.4 Non-Assignable
This agreement shall be non-assignable by you without express written consent of Andersons & Co. UK Ltd. If this Agreement is assigned or otherwise transferred, it shall be binding on all successors and assigners.
17.5 No License
Andersons & Co. UK Ltd does not, by virtue of disclosure of the Confidential Information, grant, either expressly or by implication or otherwise any right or license to any intellectual property right.
17.6 Binding Nature of Agreement
17.6.1 This Agreement shall be binding upon and inure to the benefit of the parties hereto and their respective heirs, personal representatives, successors and assigns.
17.7 Duration of Confidentiality Obligation
17.7.1 Confidential Information remains subject to the confidentiality obligations set forth herein also after the conclusion of your relationship with Andersons & Co. UK Ltd for an unlimited duration.
17.8 Provisions Separable
17.8.1 The provisions of this Agreement are independent of and separable from each other and no provision shall be affected or rendered.

18. General

18.1 No partnership/agency
Nothing in this Programme Agreement shall be construed to create a joint venture, partnership or agency relationship between you and us and neither party shall have the right or authority to incur any liability debt or cost or enter into any contracts or other arrangements in the name of or on behalf of the other.
18.2 No other terms
Except as expressly stated in this Programme Agreement, all warranties, conditions and other terms, whether express or implied, by statute, common law or otherwise are hereby excluded to the fullest extent permitted by law.
18.3 Assignment
You shall not assign or delegate or otherwise deal with all or any of your rights or obligations under this Program Agreement without the Company prior written consent (which consent we may grant or withhold in our absolute discretion).
18.4 Force Majeure
Neither party shall have any Liability for any breach, hindrance or delay in performance of its obligations under this Program Agreement which is caused by an Event of Force Majeure, regardless of whether the circumstances in question could have been foreseen. An “Event of Force Majeure” means any cause outside of the party’s reasonable control, including act of God, actions or omissions of third parties, insurrection, riot, civil war, civil commotion, war, hostilities, threat of war, warlike operations, armed conflict, imposition of sanctions, embargo, breaking off of diplomatic relations or similar actions, national emergencies, terrorism, nuclear, chemical or biological contamination or sonic boom, piracy, arrests, restraints or detainments of any competent authority, blockade, strikes or combinations or lock-out of workmen, epidemic, lock-downs, fire, explosion, storm, flood, drought, adverse weather conditions, loss at sea, earthquake, natural disaster, accident, collapse of building structures, failure of plant machinery or machinery or third party computers or third party hardware or vehicles, failure or problems with public utility supplies (including general: electrical, telecoms, water, gas, postal, courier, communications or Internet disruption or failure), shortage of or delay in or inability to obtain supplies, stocks, storage, materials, equipment or transportation. In addition to this we will not accept liability for delays due to market conditions, property availability, fiscal variables or such like.
18.5 Entire Agreement
This Programme Agreement (and any other document referred to in this Agreement and any other terms and conditions specifically agreed between you and us in writing) contains all the terms agreed between the parties regarding its subject matter and supersedes and excludes any prior Agreement, understanding or arrangement between the parties, whether oral or in writing. No representation, undertaking or promise shall be taken to have been given or be implied from anything said or written in negotiations between the parties prior to this Agreement except as expressly stated in this Programme Agreement. Neither party shall have any remedy in respect of any untrue statement made by the other upon which that party relied in entering into this Agreement.
18.6 No waiver
Unless the Company expressly states in writing that it is waiving a particular power, right or remedy in a particular stated instance, no failure or delay or omission by Andersons & Co. in exercising any power, right or remedy under this Agreement or at law shall operate as a waiver of such power, right or remedy; and no waiver in any particular instance shall extend to or affect any other or subsequent event or impair any powers, rights or remedies in respect of it.
18.7 Severability
If any provision of this Agreement is held to be unlawful, invalid or unenforceable, that provision shall be deemed severed and where capable the validity and enforceability of the remaining provisions of this Agreement shall not be affected.

18.8 SPECIAL NOTE
In order to satisfy some cases of special needs required time to time by the Applicants or Programme Participants the terms may be adjusted to the personal requirements of an individual Applicant, Programme Participant or Tenant-Buyer.
18.9 Notices
Unless otherwise stated within this Agreement, notices to be given to the Participants shall be in writing and shall be delivered by hand or by mail, which shall be sent to you at the address given or supplied to us. Notices shall be deemed received when delivered. Any notices will take force from the date of notice as stated on the notice.
18.10 Governing law
This Programme Agreement and any non-contractual right or obligation arising out of or in relation to it, shall be governed by and construed in accordance with English law and the Participant hereby submits to the jurisdiction of the English courts.
18.11 Andersons & Co. UK Ltd and you irrevocably agree that the English courts shall have exclusive jurisdiction over any claim or matter brought by the party in relation to this Agreement.
18.12 Nothing in this Agreement shall limit our right to take proceedings against the Participant in any other court of competent jurisdiction.
18.13 All dealings, correspondence and contacts between the parties shall be made or conducted in the English language.