More women than ever are buying homes without waiting for a partner – and they’re doing it on their own terms. A recent UK study by Skipton Building Society of 1,000 women who don’t yet own property found that 37% plan to buy a home solo, compared to 35% who will buy with a partner.
Why Women Are Buying Homes Alone
For many women, solo homeownership represents more than bricks and mortar – it’s about financial independence, personal security, and control over life choices.
- 50% say independence is the driving force
- 41% want full control over the home they choose
- 36% see it as an investment for the future
The Challenges of Buying a Home on One Income
Owning property without a second salary is achievable, but it does come with challenges. The survey found that:
| Solo Buyer Challenge | % of Women Impacted |
| Saving a deposit alone | 38% |
| Affording legal & survey costs | 37% |
| Finding suitable property in budget | 36% |
| Getting a mortgage on one income | 34% |
| Paying for unexpected repairs | 46% |
| Worrying about future income changes | 53% |
On average, women have £9,420 saved, but believe they’ll need £27,414 to get on the ladder – often estimating it will take another five years.
Why Graven Hill in Bicester Is Perfect for Solo Female Buyers?
If you’re a woman buying a home alone, Graven Hill in Bicester offers a unique mix of security, style, and community.
- Modern, Low-Maintenance Homes
New-build designs mean fewer repairs and better energy efficiency – helping you stretch your solo budget further.
- A Supportive Community
Graven Hill has multiple green spaces, a primary school, private dental practice, wine bar, coffee shop and an active residents’ association organising regular events. You can live independently while still having a friendly, welcoming community around you.
- Excellent Transport Links
Located in Bicester near Oxford and with direct rail links to London (less than an hour) and the Cotswolds, you can enjoy peaceful surroundings without giving up city access. The world famous Bicester Village Designer Outlet is also right on your doorstep.
Tips for Buying a Home on a Single Income
Whether you’re a first-time buyer or moving into a home that’s all yours, these tips will help you prepare:
- Get a Mortgage Agreement Early – Speak to a broker who understands solo-buyer mortgages before you start house-hunting.
- Build a Safety Buffer – Alongside your deposit, save for fees, moving costs, and 3–6 months of living expenses.
- Choose a New-Build Home – Lower maintenance and energy bills make developments like Graven Hill ideal for solo budgets.
- Boost Your Credit Score – Pay bills on time, clear small debts, and avoid taking on new credit just before applying.
- Look Into Ownership Schemes – Shared ownership or first-time buyer incentives can reduce your upfront costs.
So, if you’re a woman ready to take the leap into homeownership, buying solo can be one of the most empowering financial decisions you ever make. And with its combination of style, community, and location, Graven Hill in Bicester could be the perfect place to start that journey.