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Thanks for this - a more helpful rundown the govs own sites which direct you to 3 external sites to choose from. In our case only one of us earns (the other is full time home ed/childcare - which may present its own issues like 'mrs cyoa needs to look for a job first') and our savings were wiped in a bank fraud a few months ago so maybe we're quids in : )
CYOA
Stonehedge
I don't think home ownership precludes you but having savings over £16k and/or a partner earning a certain amount disqualifies you. If you're married or cohabiting with a partner, you have to make a joint application and your incomes are assessed together.