Can I apply if I’m retired?

Yes — you can apply for an Enclave home if you’re retired. Instead of employment income, you’ll simply need to show how you can meet the affordability requirements through pensions, savings, or other financial resources.

Accepted sources of income or funds

• Pension income: State pension, private pensions, or annuities.
• Savings or investments: Bank statements or investment accounts showing enough funds to cover the tenancy.
• Other income: Rental income, dividends, or other regular financial support.

How affordability is assessed

• The standard guideline is that your annual income (or resources) must be at least 3 x the annual rent value
• If your pension income alone doesn’t meet this threshold, savings or other assets can be taken into account.

Alternative options if needed

• Guarantor: A UK-based guarantor with sufficient income can support your application.
• Upfront rent: Paying part or all of the rent in advance may also be accepted.

Documents you may need to provide

• Valid photo ID and Right to Rent documents.
• Pension statements or award letters.
• Bank or investment account statements.
• Guarantor documents (if using a guarantor).

Support from the team

The local Enclave enquiries team will review your individual circumstances and let you know exactly what documents are required. They aim to make the process clear and flexible for retired applicants.