‘I never thought I could buy in London’ – an NHS nurse’s route onto the property ladder

After years of renting and house-sharing, Vanessa, a 35 year old NHS nurse, has bought her first home in London at Pocket Living’s Woodside Park development, one of a limited number of schemes designed to support key workers and first-time buyers onto the housing ladder.

Having lived in London since 2017 after relocating from her family home in Portugal, Vanessa initially stayed in hospital accommodation before moving into shared private rental flats across north London.

“I thought I’d have to move out of the city to buy”

Like many first-time buyers, she assumed buying a home in the capital would be out of reach.

“I’d always thought about having a place of my own one day but with London being so expensive and deposits being so high I honestly thought it would never happen, or that I’d have to move out of the city to buy”, explains Vanessa.

“As a nurse, renting somewhere on my own just wasn’t possible and so I stayed in house shares so I could save, even though it meant sacrificing my own space.”

“Online mortgage checkers suggested I would need significantly more money than I had saved”

One of the biggest barriers for Vanessa was the assumption that she didn’t have enough savings for a London deposit.

A survey of 1,000 Londoners aged between 25 and 45 by affordable housing developer Pocket Living found that Vanessa isn’t alone in this view. The research found that more than a quarter (26%) of renters cite raising a deposit as the main barrier to homeownership, while a further 31% pointed to the cost-of-living crisis. Among key workers, 7 in 10 (70%) said raised living costs have delayed their plans to buy their first home.

“Online mortgage checkers suggested I would need significantly more money than I had saved, so I felt quite certain that homeownership was out of reach. It was only when I saw Pocket Living homes listed in North Finchley, which I knew were sold at a discount, that I decided to complete Pocket’s online affordability assessment, fully expecting not to qualify”, Vanessa said.

“I really didn’t think I’d pass the assessment. When I got the email saying I could book a viewing, I thought there must have been a mistake.”

The Woodside Park apartment was the first and only home Vanessa viewed and it immediately ticked her boxes when it came to its location and design.

Vanessa said: “I hadn’t even spoken to a mortgage broker when I went to see it. I was just curious, but I ended up filming the flat for my family and friends and one of them joked that I was already acting like it was my own.

“The location was perfect. I work centrally but also study in North Finchley, so having the Northern line and bus routes on the doorstep was really convenient. I was also struck by the building itself, and particularly fell in love with the brickwork and the rooftop terrace.”

After speaking to an independent mortgage broker, something Vanessa strongly encourages other first-time buyers to do from the very start of their home buying journey, she realised buying was genuinely achievable.

“The amount I was told I could borrow was completely different from the figures I’d seen online from banks, around £50,000 more. If I’d relied on those calculators, I would never have tried to buy”, said Vanessa.

Vanessa purchased her one-bedroom Pocket Living apartment for £299,000, supported by a 5% deposit incentive from the developer, alongside her own savings and money invested into her Lifetime ISA.

From first viewing in May 2025 to moving in at the end of July 2025, Vanessa found the process very straightforward.

“The whole journey was surprisingly smooth. Pocket Living recommended a solicitor who understood the product, and everyone was so responsive. Buying on my own felt daunting, but I always felt supported.”

“It really feels like a sanctuary”

Vanessa continues: “When I moved in, it felt very surreal and didn’t really sink in for a while. I almost felt like I was on holiday. There was a lot to organise, especially doing it on my own, but once I settled in and made it my own, I realised how happy I was here.”

Vanessa says the difference between renting and owning has been life-changing.

“Coming home after night shifts to a quiet, peaceful space that’s completely mine feels amazing. I can cook when I want and take my time, rest properly during the day and just switch off. It really feels like a sanctuary”, says Vanessa.

“As part of the wider development there is also bike storage, which is really convenient. I didn’t have that in my previous flat. Now I have the extra space I have upgraded my bike and am excited to use it to travel into work in the summer.”

Having lived in Belsize Park for a number of years, Vanessa knew she loved the North London area and the nearby green spaces, but was really struck by the quality of the high street in Woodside Park.

“The high street is even better than where I lived before. There are cafes, grocery shops, a supermarket, a gym and a great yoga studio – basically everything you could need, with lots of choice.”

“I wouldn’t have settled for a home just because I could afford it”

Reflecting on her experience, Vanessa believes there is a clear need for more schemes that support first-time buyers, particularly in high-cost areas such as London.

“When I was thinking about buying at Woodside Park, I researched prices of other newly built one bedroom homes in the area and I felt that they were way more expensive. As a first time buyer I simply wouldn’t have been able to afford them but I also wouldn’t have settled for a home just because I could afford it either.

“I wanted somewhere that was right for me, that was well designed and built to last. As well as its beautiful brick exterior, I was also pleasantly surprised by how spacious the Woodside Park homes were. The high ceiling heights create lots of space and let lots of light in, it’s the perfect size for me.”

Buyers own 100% of their property, which are sold at a 20% discount to the local market.

To be eligible to purchase a Pocket home at Woodside Park N12, the prospective buyer can’t already own another property, and must live or work in London. All buyers must earn under the Mayor of London’s income threshold for affordable housing (currently £90,000). When the homes are sold on, new purchasers must meet the original criteria including a household income below the Mayor of London’s affordable housing threshold.

For more information or to register interest in a Pocket home, prospective buyers can visit www.pocketliving.com or call 020 7291 3683.

First-time buyer discovers dream home and welcoming community vibe in Walthamstow, London

Brompton Bicycle Training Co-ordinator Louisa, 37, felt like her life was in limbo after two London landlords in three years sold up and she was once again in a position where she was trying to find somewhere to live.

Having rented in London and abroad for the last 12 years Louisa decided it was time to buy her own property, but, despite keeping a very close eye on savings, she didn’t know what she could actually afford to buy.

“In all honestly, I thought I’d only be able to buy through Shared Ownership and so I looked around a few of those, as well as one place in Islington that must have dated back to the 70s. It was full of damp and looked nothing like the photos”, explains Louisa.

“I didn’t think I had any other choice if I wanted to buy on my own, until two of my friends who had bought flats at Pocket Living developments told me that Pocket offers a 20% discount on their homes, only sells to first time buyers and you own 100% of the property, and so I should take a look at what was currently for sale.”

Pocket Living is an innovative housing developer, which delivers discounted one-bedroom apartments exclusively to first-time buyers living or working in London, with homes currently for sale in Walthamstow, Finchley and East Croydon.

Sold on Pocket’s Forest Road

“I had seen that Pocket had recently launched a new development in Walthamstow, which looked great. I have quite a few friends in the Walthamstow area who have been trying to recruit me for a while so when I saw that they were hosting a viewing day I registered straight away and had a viewing two days later”, says Louisa.

With prices starting from £298,000, Louisa found that the homes fell perfectly within her price range.
“I definitely couldn’t afford anything where I was renting in Hackney and after seeing the Pocket homes I just didn’t think I’d get something of the same quality that would be 100% mine in a better area or price range so I was very much sold straight away.”

Louisa bought a south-west facing one-bedroom apartment with a Juliet balcony at Pocket Living’s Forest Road E17 development in Walthamstow, where half of the 90 energy-efficient homes have already sold.

“I moved into my new flat in July and am really loving it. I have some great natural light and beautiful views, which was a really important factor for me. I love that Forest Road is next to the William Morris gallery and Lloyd Park and I have been enjoying cycling around on my bike exploring new parts of the area”, says Louisa.

Community vibe in Walthamstow

Designed to foster a reassuring sense of community spirit, Forest Road E17 has a host of communal spaces for residents to enjoy including two roof terraces where residents can make use of the shared allotment beds to grow fruit and veg, use the space to exercise, or relax with neighbours in the seating areas with a cup of coffee.

“This was my first time living alone and at first I wasn’t quite sure how I was going to feel but it has actually been really great. It is peaceful in my home but if I want to hang out with people I can just pop out to the terrace and have a chat with my neighbours”, Louisa explains.

“When I moved in there was a QR code in my post box which directed me to the residents’ WhatsApp chat, which was really nice and an easy way to connect with people. My dad had actually gifted me a five litre box of rosé wine as a move in present so I sent a message on the chat saying I’ll be on the terrace later today if you want to join me for a drink. Everyone is really friendly and have been particularly helpful in lending me their tools and DIY advice during the first few weeks of being here.”

As named by The Telegraph’s travel experts as one of the coolest neighbourhoods in Britain, Walthamstow’s mix of independent shops, quirky restaurants, pubs and bakeries, green spaces and quintessential village vibe has seen the area rise up the popularity ranks in recent years for London homeowners.

Louisa agrees: “Walthamstow has a really strong sense of community, it feels very chilled out and a good place to buy your first home. As a place, I think it is only going to get better.”

Walthamstow Central Station is a 12-minute walk from Forest Road E17, where residents can catch the Victoria Line to destinations including King’s Cross, Oxford Street and Victoria, or the Overground, where trains run regularly into Liverpool Street Station. The development is also well served by local bus routes, with three bus stops less than five minutes away.

“There is a bus stop right outside my home, which is great if I am travelling home at night, but the area is also pretty bike friendly so will often cycle part of my way to work”, says Louisa.

Prices for the one-bedroom Pocket apartments at Forest Road E17 start from £298,000.

To be eligible to purchase a Pocket home at Forest Road E17, the prospective buyer can’t already own another property, and must live or work in London. All buyers must earn under the Mayor of London’s income threshold for affordable housing (currently £90,000). When the homes are sold on, new purchasers must meet the original criteria including a household income below the Mayor of London’s affordable housing threshold.

Buyers own 100% of their property, which are sold at a 20% discount to the local market.

For more information or to register interest, prospective buyers can visit www.pocketliving.com or call 020 7291 3683.

Navigating London’s housing crisis: London school teacher shares his journey from destitution to homeownership

Manny, a 29-year-old Head of Chemistry at a London school, recently achieved what many young Londoners find increasingly out of reach; homeownership in a challenging property market.

Having experienced difficulties when searching for reliable housing in his late teens, Manny was acutely aware of the rising cost of housing and the challenges it creates but this only made him more determined to gain stability and buy a place his own.

Through affordable housing developer Pocket Living, a company founded to help home-ownership become a reality for London’s first-time buyers, Manny was able to turn his dream of owning a home into a reality by purchasing a one-bedroom apartment at Forest Road E17 in Walthamstow.

Manny explains his story:

A story of resilience and determination

Growing up in Hackney, I witnessed first-hand as house prices across London continued to climb, and, at times, it felt like I would never be able to afford my own home. This was particularly the case as I saw families displaced to make way for expensive new developments, and ended up having to navigate long waiting lists for housing support.

My own experience of destitution and the challenges that came with finding reliable housing also made me acutely aware of the struggles faced by those without a place to call home, but this only made me more determined to find a space of my own.

Re-evaluating options during challenging times

Initially, I considered renting with friends. However, I quickly realised that, for me, renting meant pouring money into a property without ever accruing equity, and, during the Covid-19 lockdown, I started having conversations with friends about the growing disparity between rent and mortgage costs and began to rethink my options.

However, this also came with new challenges, like raising enough money for a deposit. I starting saving as soon as I graduated from university seven years ago, but as a new teacher, my starting salary was pretty low. This meant that I had to make a number of sacrifices, cutting back on social outings and travel plans while living at home with my mum and sister.

At one point I even considered moving out of London. My mum suggested Birmingham where she knew someone doing quite well for themselves. However, this would have meant changing jobs and uprooting my entire life just to afford a property.

As a teacher, moving outside London posed its own challenges, including lower wages and potentially a longer path to saving for a deposit. I felt stuck, thinking I had to leave London to buy a home but after taking the time to explore my options, I realised that there were more affordable alternatives.

That’s when I discovered Pocket Living, whose innovative and affordable approach to housing made the idea of homeownership feel more realistic.

Finding a home in Walthamstow

Pocket provides a viable solution for first timers, offering a 20% discount on their homes compared to other similar properties in the area, but other than the discount, I think what really attracted me to the Pocket development was their focus on sustainability and the community. They really think about how residents can interact with each other in a more positive and meaningful way.  

As a whole, all of these factors made the idea of buying through Pocket Living even more appealing and ultimately led me to choose a home that suits both my lifestyle and future goals.

I therefore purchased a one-bedroom apartment at Forest Road E17 through Pocket Living in the vibrant neighbourhood of Walthamstow, an area brimming with energy and charm, blending diverse cultures, arts, and community activities.

Since moving in, I’ve been able to put my own personal stamp on the place. It’s been such a nice feeling to be able to invite friends and family over for dinner parties and game nights, and also host the other residents at the development too.

I’ve hosted and attended quite a few housewarming parties, but still have a few more planned. So far, my favourite was when another Pocket resident hosted an open air jazz night on the roof terrace. Seeing everybody together, listening to music and watching the sun set over East London was very surreal.

I also love having a space where I can do my own thing and it’s nice to know that I can run my tutoring sessions without feeling like it could be interrupted at any point.

I’ve also really liked the proximity to the park, and the influences within the development from the William Morris Gallery across the road but my favourite place has to be the Walthamstow Wetlands, which you can get to via Blackhorse Road.

On the way there you pass the market where there’s an array of multicultural cuisines that reflect the area’s rich diversity. Ultimately, it’s the strong and vibrant community spirit that has truly made Walthamstow a place I’m proud to call home. There’s still plenty more exploring to do as we’re also lucky to have Lloyds Park and quite a few famous parts of Walthamstow really close to us so I haven’t actually ventured out as much as I should have, but I’ve got lots of time to do so.

For work, it’s only a 20-minute cycle, and the area’s excellent public transport links make it so easy to get around, with Liverpool Street also only about 20-minutes away via public transport.

It really is the best of both worlds in a sense that the commute is very easy into town and you’re also very lucky that you’re close to all of the nature that you can quickly escape to.

A smooth homebuying experience

The process of buying a first home has its complexities, but I was fortunate to have lots of support. A friend who had previously purchased a Pocket home guided me through the process, and Pocket’s team provided invaluable resources, including a step-by-step guide and a responsive customer care team.

When I received the keys, the moment was overwhelming. I stood in my new apartment, looking out the window and had a little cry, just thinking, wow I actually live in my own place. It was a very proud moment for me, especially looking back at my story, and knowing that there was once a point where I didn’t actually have a place to stay.

Reflecting on the journey

The decision to buy with Pocket Living wasn’t just about finding a home; it was an investment in my future. Knowing that I am building equity rather than paying rent has been incredibly empowering. My apartment symbolises independence and stability and serves as a milestone that reminds me of how far I’ve come.

Reflecting on my journey, I feel incredibly grateful and empowered. There was a time when I didn’t have a permanent place to stay, but today, I own a home in London.

My story is a testament to the power of determination and the importance of affordable housing solutions.

Pocket Living has shown me that homeownership doesn’t have to be out of reach. For anyone feeling trapped in the cycle of renting or uncertain about their ability to buy, I hope my story offers inspiration.

With the right support and a clear goal, homeownership can be more than a dream, it can be a reality.

To be eligible to purchase a Pocket home at Forest Road E17, the prospective buyer can’t already own another property, and must live or work in London. All buyers must earn under the Mayor of London’s income threshold for affordable housing (currently £90,000). When the homes are sold on, new purchasers must meet the original criteria including a household income below the Mayor of London’s affordable housing threshold.

Buyers own 100% of their property, which are sold at a 20% discount to the local market.

For more information or to register interest, prospective buyers can visit www.pocketliving.com or call 020 7291 3683.

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