The NABO pathway.
A plain-language route to a safe, warm AHFL home — for people the old system leaves out. NABO Access Credit builds a record that counts, so a settled home is within reach.
A different route in.
Lots of people who’d be brilliant tenants get turned away — no long rental history, a thin credit file, self-employed income, or a past that doesn’t tell the whole story. The NABO pathway is built for exactly those people.
Instead of judging you on a single credit score, NABO Access Credit looks at how you actually live — paying what you owe, keeping to agreements — and turns that into a record that helps you reach a settled AHFL home.
In one line
Do the everyday things well, build a record that counts, move into a home for life. No jargon, no hidden hurdles.
- Fresh start — a thin or bruised credit file isn’t the end of the road.
- Real behaviour — reliability counts, not just a score.
- A settled home — the goal is a long-term AHFL tenancy.
Four steps to a home that’s yours to keep.
Tell us about you
A short, plain-language conversation — your situation, what you’re looking for, and what’s got in the way before.
Build your record
Keeping to a simple agreement — rent, a starter arrangement or a support plan — builds Access Credit that shows you’re ready.
Get matched to a home
As your record grows, we match you to a suitable AHFL home in an area that works for you.
Settle in for the long term
Move into a warm, safe home for life — with Resident.Place and support from day one.
No credit score gatekeeping
We don’t reject people on a single number. Access Credit reflects real, recent behaviour.
Support alongside
Money, benefits and wellbeing support run in parallel, so the pathway is realistic.
Clear and honest
You’ll always know where you are and what the next step is — no moving goalposts.
Held for life
The home at the end is an AHFL home: held for the long term, never sold to the open market.
Built for real lives.
If any of these sound like you, the NABO pathway could be your route to a settled home.
New to renting
Little or no rental history to point to yet — everyone starts somewhere.
Self-employed or variable income
Your income doesn’t fit a neat payslip, but you manage it well.
Rebuilding after a setback
A past difficulty that doesn’t reflect who you are today.
Turned away elsewhere
Knocked back by referencing or a credit check that missed the full picture.
Register your interest in the NABO pathway.
No commitment — just tell us a little about you and we’ll be in touch to talk through whether the pathway could work for you.
Thank you — that’s with us.
A member of the NABO pathway team will be in touch within two working days.