where your story begins

Size: px
Start display at page:

Download "where your story begins"

Transcription

1 HOME... where your story begins Your guide to shared ownership

2 What is shared ownership? Shared ownership gives you the opportunity to buy a share in a home of your own, and pay subsidised rent on the remaining share. It is suitable for people who cannot afford to buy a home outright on the open market. HOME... WHERE YOU dream big, safe, FEEL EXPLORE YOUR imaginations, talk SHARE LOVE, AND CREATE memories

3 How does it work? HOME... WHERE grow YOU You buy a share in a home and pay rent on the share you do not own. We retain ownership of the share that you do not own. You become the leaseholder and we are your landlord. Usually you buy between a 25% and 75% share in the property. The higher the share you purchase, the less rent you will have to pay on the other portion. You may also be required to pay a monthly service charge to cover costs such as buildings insurance, communal maintenance and works like window cleaning if your home is within a block of flats. The share you buy is normally funded through a mortgage which you will need to arrange with your chosen bank or building society. However, if you have sufficient savings, you may choose to pay cash for your new home. Whether you buy a new-build house or flat usually you will be granted a 125 year lease. Your lease will allow you to purchase further shares in your home, known as staircasing; and will also set out your responsibilities for repairs, payment of rent and service charges, and how you can sell your home. While you won t have bought your home outright, you will have the same rights and responsibilities of a full owner-occupier.

4 How much does it cost? This depends on the cost of your home and share you are buying. The larger the share you purchase, the lower the rent. Usually the minimum deposit required to purchase a shared ownership home is 5% of the share purchase price. Costs when you buy include: Solicitors fees Mortgage arrangement and mortgage survey fees Stamp duty (if applicable) Removal costs 500 reservation deposit to secure the property from us (this will be deducted from the final purchase price of your home) Everyday living costs once you have purchased your home might include: Monthly rent and service charges M ortgage payments and mortgage protection insurance Contents insurance Council tax W ater, gas, electric, telephone charges and all your other household bills All repair and redecoration costs Food and entertainment HOME... WHERE YOU share love

5 HOME... WHERE YOU create memories Here are some frequently asked questions Am I eligible? You can apply to buy a shared ownership home if you can answer yes to the following criteria: You are registered with Help to Buy South You are unable to buy a home outright on the open market Your household income is less than 80,000 per annum You are able to meet the costs of a deposit, rent, service charges, mortgage payments and all other costs associated with buying and running a home You do not have any outstanding County Court judgements It is your intention to live in the property full time and not use it as a buy to let property Can I increase my share? Increasing the share you own is known as staircasing. You can usually choose to do this at any time. The price you will pay for further shares in your home will be set by a Royal Institution of Chartered Surveyors (RICS) valuer based on the open market value of your home at that time. For example, you own 50% of your home and the valuation is 100,000, then it will cost you 50,000 to buy the remaining share of your property and own your home outright.

6 More frequently asked questions How are properties allocated? Providing there are no restrictions or local planning agreements which specify otherwise, once you are deemed eligible priority is given as follows: 1 Existing social housing tenants and those currently serving in the Armed Forces or have recently been discharged 2 Those who are considered to be in a high housing need 3 All other applicants HOME... WHERE YOU EXPLORE YOUR imagination Can I alter or improve my home? You must get written permission from us before you carry out major work. You may also need to get permission from your mortgage lender. You will be responsible for paying for the works and when you sell your share, you will usually receive any increase in value as a result of them. Your lease is a full repairing lease, which means that you are responsible for all works and repairs to your home in the same way as any other home owner. Do I have to live or work in the same area as the property? Normally no, however, in some instances a development may have a specific local connection criteria to enable you to buy there. Please ask us for more details. Can I keep pets? Your lease will tell you if you can keep pets. If you live in a house there are not usually any restrictions; however, if you live in an apartment you are unlikely to be able to keep a pet.

7 Building One Riverside Court Bowling Hill Chipping Sodbury Bristol BS37 6JX Contact a member of the Sales Team: W: E: T:

New home. A guide to shared ownership

New home. A guide to shared ownership New home A guide to shared ownership 02 flagship-homes.co.uk Your questions answered What is shared ownership? Shared ownership is a home ownership scheme. It is designed to help people unable to purchase

More information

SHARED OWNERSHIP Your guide to buying a shared ownership home

SHARED OWNERSHIP Your guide to buying a shared ownership home SHARED OWNERSHIP Your guide to buying a shared ownership home What is Shared Ownership? Shared Ownership allows you to own your dream home by buying a share, usually 40%, and pay a rent on the remaining

More information

Staircasing Buying more shares in your home

Staircasing Buying more shares in your home Staircasing Buying more shares in your home 1 Contents What is staircasing? Staircasing and your lease General information Getting started 03 PAGE 04 PAGE 05 PAGE 08 PAGE 2 What is staircasing? If you

More information

STAIRCASING. To qualify for a shared ownership property you must meet the following minimum criteria:

STAIRCASING. To qualify for a shared ownership property you must meet the following minimum criteria: STAIRCASING FAQ s Am I eligible? To qualify for a shared ownership property you must meet the following minimum criteria: Your maximum household income is 80,000. In London, the maximum household income

More information

T Buying your shared ownership home

T Buying your shared ownership home www.redwingliving.co.uk T 0344 7360063 Buying your shared ownership home Buying your shared ownership home Shared ownership is the affordable way to buy a home and is designed to help you step onto the

More information

Your Guide to Staircasing

Your Guide to Staircasing Your Guide to Staircasing How to buy further shares In your Shared Ownership home Staircasing What Is Staircasing? As a current shared owner you may wish to buy another share of your property or even buy

More information

Shared Ownership. Buyers Guide

Shared Ownership. Buyers Guide Shared Ownership Buyers Guide Shared Ownership Shared Ownership provides an affordable way to buy a home. You purchase a share in a brand new home and pay a subsidised rent on the part you don t own. In

More information

A step-by-step guide to... Help to Buy. Shared Ownership. hastoesales.com

A step-by-step guide to... Help to Buy. Shared Ownership. hastoesales.com A step-by-step guide to... Help to Buy Shared Ownership hastoesales.com Help to Buy Shared Ownership (part buy, part rent) 2 If you want to buy a home of your own, but don t quite have enough money to

More information

Homeowners guide. A guide to choosing your new home.

Homeowners guide. A guide to choosing your new home. Homeowners guide A guide to choosing your new home www.southwark.gov.uk/aylesbury Contents Introduction 3 Overview of the purchase process for homeowners 4 Buying back your property 5 Compensation 6 Compulsory

More information

A guide to. Shared Ownership

A guide to. Shared Ownership A guide to Shared Ownership V1. August 2016 What is Shared Ownership? Shared Ownership is an affordable way to buy your own home. With Shared Ownership you can part-rent and part-buy a property. If you

More information

What is. Shared Ownership?

What is. Shared Ownership? What is Shared Ownership? What is Shared Ownership? Page 1 Am I eligible? Page 3 Applying for your mortgage Page 13 Where do I register? Page 5 Solicitors Page 15 Viewing and reserving a property Page

More information

A guide to. Shared Ownership. for you - for your community - not for profit.

A guide to. Shared Ownership. for you - for your community - not for profit. A guide to Shared Ownership www.tworivershousing.org.uk for you - for your community - not for profit What is Shared Ownership? Shared Ownership is an affordable way to buy your own home. With Shared Ownership

More information

OPTIVO S GUIDE TO SHARED OWNERSHIP

OPTIVO S GUIDE TO SHARED OWNERSHIP OPTIVO S GUIDE TO SHARED OWNERSHIP Are you interested in Shared Ownership, but don t know much about it? Our handy guide is here to help. If you re struggling to buy your own home, Shared Ownership could

More information

Your Guide to Shared Ownership

Your Guide to Shared Ownership Your Guide to Shared Ownership YOUR GUIDE TO SHARED OWNERSHIP Metropolitan is one of the UK s leading providers of affordable housing and care and support services. We own and manage a large portfolio

More information

ST MATTHIAS FISHPONDS

ST MATTHIAS FISHPONDS ST MATTHIAS FISHPONDS A range of two and three bed homes in Fishponds for shared ownership w: www.merlinhs.co.uk/sales e: sales@merlinhs.co.uk t: 01454 821666 YOUR HOME Set in the popular area of Fishponds,

More information

Shared ownership A buyer s guide. Sharing your future Living your dreams

Shared ownership A buyer s guide. Sharing your future Living your dreams Shared ownership A buyer s guide Sharing your future Living your dreams Shared ownership A buyer s guide Contents Shared ownership gives you and your family the opportunity to step onto the property ladder

More information

Your guide to. Shared Ownership. An affordable way to purchase your own home

Your guide to. Shared Ownership. An affordable way to purchase your own home Your guide to Shared Ownership An affordable way to purchase your own home Shared ownership, an affordable way to purchase a home on the open market At Yarlington Homes we provide more than just somewhere

More information

Islington & Shoreditch HA Lien Viet HA. Staircasing Guide For Shared Owners

Islington & Shoreditch HA Lien Viet HA. Staircasing Guide For Shared Owners Islington & Shoreditch HA Lien Viet HA Staircasing Guide For Shared Owners 020 7704 7300 Introduction This leaflet is aimed at people who are shared owners with ISHA and are looking to buy more shares

More information

SHARED OWNERSHIP A simple guide to buying a shared ownership property

SHARED OWNERSHIP A simple guide to buying a shared ownership property SHARED OWNERSHIP A simple guide to buying a shared ownership property 2 www.alliancehomesgroup.org.uk What is shared ownership? Shared Ownership is for people who want to own their own home, but cannot

More information

Your guide to: Staircasing. How to buy further shares in your Shared Ownership home. Great homes, positive people, strong communities

Your guide to: Staircasing. How to buy further shares in your Shared Ownership home. Great homes, positive people, strong communities Your guide to: Staircasing How to buy further shares in your Shared Ownership home Great homes, positive people, strong communities Contents What is staircasing? 1 What provisions are there for staircasing?

More information

Your Guide to Resales

Your Guide to Resales Your Guide to Resales How To Sell Your Shared Ownership Home Resales Selling your Home with Estuary Housing Association Limited As a Shared Owner with Estuary Housing Association Limited (EHA), we recognise

More information

The Right to Acquire. Contents. Contents Making an informed decision Can you buy your home? How to buy your home 7. 4.

The Right to Acquire. Contents. Contents Making an informed decision Can you buy your home? How to buy your home 7. 4. The Right to Acquire Contents Contents 1 1. Making an informed decision 3 2. Can you buy your home? 7 3. How to buy your home 7 4. Discount 9 5. Repairs 10 6. Problems with the buying procedure 10 7. Who

More information

Guide to Shared Ownership. Making Home Ownership Affordable

Guide to Shared Ownership. Making Home Ownership Affordable Guide to Shared Ownership Making Home Ownership Affordable Shared Ownership Contents What is a Housing Association? 4 What is Shared Ownership? 4 How Does Shared Ownership Work? 5 How Do I Qualify? 6 What

More information

YOUR GUIDE TO SHARED OWNERSHIP. A guide to Shared Ownership

YOUR GUIDE TO SHARED OWNERSHIP. A guide to Shared Ownership YOUR GUIDE TO SHARED OWNERSHIP A guide to Shared Ownership WHAT IS SHARED OWNERSHIP? Shared Ownership is a government scheme aimed to help buyers get on to the property ladder. You only need to afford

More information

Resales Selling your shared ownership property

Resales Selling your shared ownership property Resales Selling your shared ownership property 1 Contents Resales What it costs How to sell General information 03 04 06 08 Resales If you want to sell your shared ownership home this is a resale. The

More information

A guide to Shared Ownership

A guide to Shared Ownership A guide to Shared Ownership A flexible way to buy If you dream of owning your own home, but can t afford to because of current property prices, then Shared Ownership could be for you. This is a scheme

More information

A home of your own SHARED OWNERSHIP (PART BUY/PART RENT)

A home of your own SHARED OWNERSHIP (PART BUY/PART RENT) A home of your own SHARED OWNERSHIP (PART BUY/PART RENT) www.graingerplc.co.uk Shared Ownership Home ownership is something prior generations took for granted. Now, with rising house prices and rising

More information

PAGE INTRODUCTION 2 ABOUT ENGLISH RURAL 2 HOW SHARED OWNERSHIP WORKS 2 WHO QUALIFIES 3 THE COSTS 3 AFFORDABILITY 4 BUYING EXTRA SHARES 4

PAGE INTRODUCTION 2 ABOUT ENGLISH RURAL 2 HOW SHARED OWNERSHIP WORKS 2 WHO QUALIFIES 3 THE COSTS 3 AFFORDABILITY 4 BUYING EXTRA SHARES 4 CONTENTS PAGE INTRODUCTION 2 ABOUT ENGLISH RURAL 2 HOW SHARED OWNERSHIP WORKS 2 WHO QUALIFIES 3 THE COSTS 3 AFFORDABILITY 4 BUYING EXTRA SHARES 4 DEALING WITH MORTGAGE DIFFICULTIES 4 MOVING ON 5 LIVING

More information

Letting out your property

Letting out your property Letting out your property Scotland EXPLANATORY NOTES CONCERNING YOUR MORTGAGE IMPORTANT: Please read these notes before you fill in and sign the tenancy application. 1. Property insurance Please ensure

More information

Shared Ownership: The Absolute Truth

Shared Ownership: The Absolute Truth Shared Ownership: The Absolute Truth Shared Ownership: The Absolute Truth Are you looking to buy a property and realising how difficult it is to find something that you want, in an area you like at a price

More information

Shared ownership with Selwood Housing Getting you on to the property ladder

Shared ownership with Selwood Housing Getting you on to the property ladder Selwood Housing Bryer Ash Business Park, Bradford Road Trowbridge, Wiltshire, BA14 8RT @selwoodhousing.com selwoodhousing.com/sharedownership Shared ownership with Selwood Housing Getting you on to the

More information

Voluntary Right to Buy Policy (Midlands Pilot)

Voluntary Right to Buy Policy (Midlands Pilot) Voluntary Right to Buy Policy (Midlands Pilot) Version 1 Approved by: Board Approved date: 6 June 2018 1.0 Introduction 1.1 This Policy outlines our approach to the Voluntary Right to Buy (VRTB) scheme,

More information

Letting out your property

Letting out your property Letting out your property England and Wales EXPLANATORY NOTES CONCERNING YOUR MORTGAGE IMPORTANT: Please read these notes before you fill in and sign the tenancy application. 1. Property insurance Please

More information

A guide to buying your council or housing association home

A guide to buying your council or housing association home A guide to buying your council or housing association home October 2016 Contents Part 1: Checklist to buy your council or housing association home Part 2: Right to Buy scheme guide Part 3 : Right to Acquire

More information

Some homes may not be eligible and in those cases we will try to find an alternative property that you can buy.

Some homes may not be eligible and in those cases we will try to find an alternative property that you can buy. 1. Introduction The Voluntary Right to Buy (VRTB) is an 18 month government-led pilot scheme which gives assured tenants of housing associations in the Midlands area the right to buy their home at a discounted

More information

Letting out your property

Letting out your property Letting out your property 1. Property insurance Please ensure that your insurance company is notified that the property is let so that full cover can be maintained. 2. Arrears The mortgage account must

More information

shared ownership explained... a guide to your future... Contact our Home Ownership support team today

shared ownership explained... a guide to your future... Contact our Home Ownership support team today shared ownership explained... Contact our Home Ownership support team today Soha Housing Limited, Royal Scot House, 99 Station Road, Didcot, Oxon OX11 7NN Tel: 01235 515900 Fax: 01235 515945 Email: housing@soha.co.uk

More information

Discretionary Freehold Purchase

Discretionary Freehold Purchase Discretionary Freehold Purchase This leaflet gives some information about buying the freehold of your building under Westminster's Discretionary Freehold Purchase scheme. It is not a comprehensive guide

More information

Letting out your property

Letting out your property Letting out your property Northern Ireland EXPLANATORY NOTES CONCERNING YOUR MORTGAGE IMPORTANT: Please read these notes before you fill in and sign the tenancy application. 1. Property insurance Please

More information

SHARED OWNERSHIP - A BEGINNERS GUIDE

SHARED OWNERSHIP - A BEGINNERS GUIDE North Wales Housing Ltd Tai Gogledd Cymru Cyf Phone 01492 572727 - Ffôn SHARED OWNERSHIP - A BEGINNERS GUIDE ABOUT THIS BOOKLET Shared ownership helps people who cannot afford to buy a home of their own.

More information

AFFORDABLE HOME OWNERSHIP SHARED EQUITY SCHEME WITH CONWY COUNTY BOROUGH COUNCIL 36 LON BEDW, LLANDUDNO JUNCTION, LL31 9FE

AFFORDABLE HOME OWNERSHIP SHARED EQUITY SCHEME WITH CONWY COUNTY BOROUGH COUNCIL 36 LON BEDW, LLANDUDNO JUNCTION, LL31 9FE AFFORDABLE HOME OWNERSHIP SHARED EQUITY SCHEME WITH CONWY COUNTY BOROUGH COUNCIL 36 LON BEDW, LLANDUDNO JUNCTION, LL31 9FE We are pleased to inform you that the above property is available for resale through

More information

Guide to Shared Ownership

Guide to Shared Ownership Guide to Shared Ownership SO Living is part of Plymouth s largest affordable housing provider, Plymouth Community Homes. What is Shared Ownership? - Shared ownership is an affordable home ownership scheme

More information

What happens when the Court is involved in a tenancy deposit dispute?

What happens when the Court is involved in a tenancy deposit dispute? Who should read this? Key Documents Tenants Agents Landlords What happens when the Court is involved in a tenancy deposit dispute? Here are some pointers from TDS about choosing between sending a dispute

More information

A New Future For Heathside and Lethbridge. Heathside and Lethbridge Regeneration Offer to Leaseholders

A New Future For Heathside and Lethbridge. Heathside and Lethbridge Regeneration Offer to Leaseholders A New Future For Heathside and Lethbridge Heathside and Lethbridge Regeneration Offer to Leaseholders Contents A OFFER TO LEASEHOLDERS 5 1 Introduction 2 Non Resident Leaseholders 3 Summary of Options

More information

Your Shared Ownership Lease

Your Shared Ownership Lease A guide to... Your Shared Ownership Lease hastoesales.com A guide to your Shared Ownership Lease Welcome Your lease is an important document which forms the legal contract between you, as the shared owner

More information

Your guide to Voluntary Right to Buy

Your guide to Voluntary Right to Buy Your guide to Voluntary Right to Buy Midlands Pilot Places for People 1 Places work when they work for everyone. Contents Introduction 4 Voluntary Right to Buy Midlands Pilot 5 1 How to apply 6 2 Eligibility

More information

Open Market Shared Equity Scheme

Open Market Shared Equity Scheme Open Market Shared Equity Scheme October 2017 Open Market Shared Equity Scheme The Open Market Shared Equity Scheme helps first time buyers on low to moderate incomes to buy a home on the open market (within

More information

Guide to Shared Ownership

Guide to Shared Ownership Guide to Shared Ownership (Rent to HomeBuy) Bristol 0117 325 0308 Plymouth 01752 254 604 Manchester & Stalybridge 0333 666 9999 Leeds 0333 666 6000 live@urbansplash.co.uk www.urbansplash.co.uk/shared-ownership

More information

H me Reach. The key to home ownership

H me Reach. The key to home ownership H me Reach The key to home ownership Who is heylo... Launched in September 2014, heylo has created one of the largest home ownership programmes in the UK, offering a number of different routes to ensure

More information

GUIDE TO SELLING YOUR SHARED OWNERSHIP HOME

GUIDE TO SELLING YOUR SHARED OWNERSHIP HOME GUIDE TO SELLING YOUR SHARED OWNERSHIP HOME 2 3 Hastoe Group Welcome Your Shared Ownership home, which you purchased from Hastoe, must be sold through us in the first instance. You can choose to sell your

More information

How TDS deals with disputes relating to non-assured Shorthold Tenancies

How TDS deals with disputes relating to non-assured Shorthold Tenancies How TDS deals with disputes relating to non-assured Shorthold Tenancies You have reached the end of the tenancy but can t agree what should happen to the deposit. What should you do now? This document

More information

buying with Your Home...

buying with Your Home... buying with Your Home... making homes affordable... Your Home by heylo... Launched in September 2014, heylo has created one of the largest shared ownership delivery programmes in the UK, delivering a step

More information

Your guide to Shared Ownership

Your guide to Shared Ownership Your guide to Shared Ownership www.whitehorsehousing.co.uk White Horse Housing Association Guide to Shared Ownership 2017 Who is White Horse Housing Association? We are a small not-for-profit housing association

More information

Property Form. for the Suffolk Life SIPP and MasterSIPP

Property Form. for the Suffolk Life SIPP and MasterSIPP Property Form for the Suffolk Life SIPP and MasterSIPP This document is part of a set, all of which should be read together: Key Features Personal Illustration Schedule of Fees Schedule of Allowable Investments

More information

Crawley APEX APARTMENTS. 26 new affordable contemporary one and two bedroom apartments available to buy on a Shared Purchase* basis

Crawley APEX APARTMENTS. 26 new affordable contemporary one and two bedroom apartments available to buy on a Shared Purchase* basis Crawley APE APARTMENTS 26 new affordable contemporary one and two bedroom apartments available to buy on a Shared Purchase* basis FREUENTLY ASKED UESTIONS Relevant as at June 1st 2018 hat is a Landspeed

More information

Ashton Hayes Development

Ashton Hayes Development Ashton Hayes Development Image shows site plan of development Shared Ownership Homes at Ashton Hayes. An exclusive development situated in the sought after rural village of Ashton Hayes. Enjoying the best

More information

Voluntary Right to Buy and Portability Policy

Voluntary Right to Buy and Portability Policy Voluntary Right to Buy and Portability Policy 1. Policy statement Policy for customers who wish to purchase the home they rent from Bromford under the Voluntary Right to Buy scheme 2. Contents: Introduction

More information

YOUR GUIDE TO SHARED OWNERSHIP

YOUR GUIDE TO SHARED OWNERSHIP YOUR GUIDE TO SHARED OWNERSHIP YOUR GUIDE TO SHARED OWNERSHIP Shared Ownership is a part-buy partrent scheme run in conjuction with the government that helps those that qualify into home ownership. Shared

More information

AFFORDABLE HOME OWNERSHIP ALLOCATION POLICY

AFFORDABLE HOME OWNERSHIP ALLOCATION POLICY AFFORDABLE HOME OWNERSHIP ALLOCATION POLICY INTRODUCTION This document sets out Grand Union Housing Group s (GUHG) Affordable Home Ownership Policy, with the main focus being on Shared Ownership. Shared

More information

HELP TO BUY - SHARED OWNERSHIP

HELP TO BUY - SHARED OWNERSHIP HELP TO BUY - SHARED OWNERSHIP A GUIDE FOR APPLICANTS 1 January 2017 CONTENTS Section 1 General Information Section 2 About Help to Buy Shared Ownership 1 What Is Help to Buy- Shared Ownership 2 How Does

More information

Interested in buying your own home?

Interested in buying your own home? Interested in buying your own home? A legal guide to Right to Buy This leaflet can be translated into other languages, large print and Braille or recorded on to an audio CD. Please contact your local office

More information

AFFORDABLE HOME OWNERSHIP BLUESTONE MEADOW, BROUGHTON

AFFORDABLE HOME OWNERSHIP BLUESTONE MEADOW, BROUGHTON AFFORDABLE HOME OWNERSHIP BLUESTONE MEADOW, BROUGHTON In partnership with Flintshire County Council, we are pleased to inform you of the release of 6 x 3 bedroom properties at the above site from Bellway

More information

Interested in buying your own home? A legal guide to Right to Buy

Interested in buying your own home? A legal guide to Right to Buy Interested in buying your own home? A legal guide to Right to Buy Further information Sanctuary Housing Customer Service Centre 0800 916 1444/0300 123 3516* contactus@sanctuary-housing.co.uk Please contact

More information

New Build HomeBuy (part buy, part rent)

New Build HomeBuy (part buy, part rent) Buying a home through New Build HomeBuy (part buy, part rent) Sustainable homes, sustainable communities The New Build HomeBuy Scheme If you want to buy a home of your own but don t quite have enough money

More information

Shared Ownership Guidance Notes

Shared Ownership Guidance Notes Shared Ownership Guidance Notes For your assistance, this document can also be made available in another language, in Braille, in large print, or on audio cassette. Please ask any member of staff and the

More information

Your guide to Shared Ownership

Your guide to Shared Ownership Your guide to Shared Ownership www.whitehorsehousing.co.uk Who is White Horse Housing Association? We are a small not-for-profit housing association that has been in existence for over 30 years. We currently

More information

Property / Land Questionnaire for In-Specie Transfer

Property / Land Questionnaire for In-Specie Transfer Self-Invested Personal Pension SIPP Property / Land Questionnaire for In-Specie Transfer www.investaccpensions.co.uk Contents Section Personal Information About the Property / Land Transferring Scheme

More information

Property Notes. Self Invested Personal Pension

Property Notes. Self Invested Personal Pension Self Invested Personal Pension Property Notes The Financial Conduct Authority is the independent financial services regulator. It requires us, AJ Bell Management Limited, to give you this important information

More information

Mid Market Rent Frequently Asked Questions

Mid Market Rent Frequently Asked Questions Mid Market Rent Frequently Asked Questions What is Mid Market Rent? Mid Market Rent is a scheme to help working households on low and modest incomes access high quality affordable rented accommodation.

More information

THE CHURCH OF ENGLAND PENSIONS BOARD

THE CHURCH OF ENGLAND PENSIONS BOARD THE CHURCH OF ENGLAND PENSIONS BOARD Retirement Housing SHARED OWNERSHIP BOOKLET Information Booklet for Scheme Applicants Housing Department Church of England Pensions Board P O Box 2026 Pershore WR10

More information

Policy Statement. Aims. SMT/ET August 2016

Policy Statement. Aims. SMT/ET August 2016 SMT/ET August 2016 Policy Statement This policy outlines Housing Solutions approach to the sale and allocation of shared ownership homes. Shared Ownership provides a solution to the housing needs of those

More information

A simple guide to intermediate rent

A simple guide to intermediate rent A simple guide to intermediate rent What is intermediate rent (IMR)? With IMR you can rent a brand new or previously-rented home at less than the market rate You must be registered with www.helptobuyese.org.uk

More information

A GUIDE TO SHARED OWNERSHIP

A GUIDE TO SHARED OWNERSHIP A GUIDE TO SHARED OWNERSHIP This guide describes the typical process of buying a share in a property from a housing association. It does not refer specifically to the process of buying through Octavia

More information

Contents. What type of property can I look at? Welcome to Co-Ownership. Important things to remember. What s a shared ownership plan?

Contents. What type of property can I look at? Welcome to Co-Ownership. Important things to remember. What s a shared ownership plan? Co- Own Contents 7 8 11 12 14 15 Welcome to Co-Ownership What s a shared ownership plan? Why choose Co-Own? Weighing up your options How do I get started? Step by step 16 17 19 20 22 26 What type of property

More information

Dear Applicant. Shared Ownership Homes for Banks Road, Badsey, Evesham.

Dear Applicant. Shared Ownership Homes for Banks Road, Badsey, Evesham. YOUR REF: CONTACT: Nicky Baker OUR REF: BR/DEV/NB DIRECT DIAL 01684 579441 NO: DATE: January 2015 EMAIL: nbaker@fortisliving.com Dear Applicant Shared Ownership Homes for Banks Road, Badsey, Evesham. Thank

More information

Reference: SO/SRR/DW Approved: 4/4/17. Shared Ownership Staircasing Reverse Staircasing, and Remortgaging. Author: Deborah White Approved by:

Reference: SO/SRR/DW Approved: 4/4/17. Shared Ownership Staircasing Reverse Staircasing, and Remortgaging. Author: Deborah White Approved by: Shared Ownership Staircasing Policy Reference: SO/SRR/DW Approved: 4/4/17 Scope: Shared Ownership Staircasing Reverse Staircasing, and Remortgaging Related Policies: Shared Ownership Sales, Resales and

More information

HAVEBURY HOUSING PARTNERSHIP

HAVEBURY HOUSING PARTNERSHIP HS0025 HAVEBURY HOUSING PARTNERSHIP POLICY HOME PURCHASE POLICY Controlling Authority Director of Resources Policy Number HS025 Issue No. 3 Status Final Date November 2013 Review date November 2016 Equality

More information

Right to Buy Procedure

Right to Buy Procedure Right to Buy Procedure STEP 1: Applying to buy A tenants first step is to ask us for the Right to Buy claim form (Form RTB 1). Forms must be issued within 5 working days. The tenant will need to complete

More information

PROPERTY INVESTMENT NOTES

PROPERTY INVESTMENT NOTES OPEN PENSION PROPERTY INVESTMENT NOTES Powered by the London & Colonial... www.londoncolonial.com Contents 1. Introduction... Page 2 2. The People... Page 2 3. The Process... Page 3 4. How do I apply to

More information

TO LET. Your guide to Buy to Let. Protection made easier by Legal & General

TO LET. Your guide to Buy to Let. Protection made easier by Legal & General TO LET Your guide to Buy to Let Protection made easier by Legal & General 2 Welcome to Legal & General s Buy to Let guide. We hope you find this useful when considering whether to purchase a Buy to Let

More information

1. Will families with additional needs be included in the pilot? There are no plans to exclude families with additional needs from the pilot.

1. Will families with additional needs be included in the pilot? There are no plans to exclude families with additional needs from the pilot. AFF asked Army families for their questions on FAM. The FAM team have provided the answers to many of them, which are contained in this document. Please note that some of the responses may change as policy

More information

The really ewes-ful guide to Rent Now, Buy Later It s shear good sense

The really ewes-ful guide to Rent Now, Buy Later It s shear good sense The really ewes-ful guide to Rent Now, Buy Later It s shear good sense Benefits for sellers Would ewe like to sell your home and have the freedom to explore pastures new? Or do you have a house that you

More information

Selling your shared ownership home

Selling your shared ownership home Selling your shared ownership home Contents 4 Introduction 5 The selling process Valuation Marketing Choosing a buyer Sales progression 10 The cost of selling your home Moat s fees Surveyor s fees Legal

More information

Homeowners. Our Key Guarantees to homeowners

Homeowners. Our Key Guarantees to homeowners Homeowners Our Key Guarantees to homeowners A better home for you and your family Rebuilding your estate will mean that you and your family will be able to move into a better home. While we work together

More information

Your guide to Shared Ownership

Your guide to Shared Ownership Your guide to Shared Ownership 2 If you need this document in another format please contact us. Your Guide to Shared Ownership Delivering Affordable Housing This guide gives you information about buying

More information

Homefile. A buyer s guide to home ownership

Homefile. A buyer s guide to home ownership Homefile A buyer s guide to home ownership 02 flagship-homes.co.uk The Flagship Service Flagship Homes is a Flagship trading activity. Based at Keswick in Norwich, Flagship Homes provides a quality service

More information

Finding an Apartment LESSON 4. Choosing an Apartment

Finding an Apartment LESSON 4. Choosing an Apartment Finding an Apartment LESSON 4 Someday you will be on your own with a full-time job and ready to live independently from your parents. Choosing an apartment is an exciting step in your life, but you must

More information

Shared Ownership Policy

Shared Ownership Policy Clydebank Housing Association Ltd. Shared Ownership Policy Finance, Staffing & GP Sub-Committee submission: 15 November 2016 Approved: 15 November 2016 Review date: October 2017 This policy can be made

More information

make it happen Information on Right To Buy Lease Extension

make it happen Information on Right To Buy Lease Extension make it happen Information on Right To Buy Lease Extension of less than 80 years and most mortgage lenders require an unexpired lease term of at least 60 years. How long can I extend my lease for? Under

More information

Your home was built or purchased using certain public funds on or after 1 April 1997; or

Your home was built or purchased using certain public funds on or after 1 April 1997; or Buying your own home Please read this leaflet together with our booklet: Interested in buying your own home? A legal guide to Right to Buy. Can I buy my own home? The Government has set out the requirements

More information

AFFORDABLE HOME OWNERSHIP PARC JASMINE, BROUGHTON, FLINTSHIRE.

AFFORDABLE HOME OWNERSHIP PARC JASMINE, BROUGHTON, FLINTSHIRE. AFFORDABLE HOME OWNERSHIP PARC JASMINE, BROUGHTON, FLINTSHIRE. In partnership with Flintshire County Council, we are pleased to inform you of the release of 12 properties at the above site which comprise

More information

Lease extensions a practical guide

Lease extensions a practical guide ACSFILES/ARTICLES/Lease extensions a practical guide Lease extensions a practical guide Introduction The Leasehold Reform, Housing and Urban Development Act 1993 (the Act) gave tenants of certain types

More information

Your guide to: Extending your lease

Your guide to: Extending your lease Your lease is the document that gives you the right to live in your property for a certain amount of time usually 99 or 125 years. Once the time remaining on your lease drops under 80 years, the value

More information

HOUSING NEED SURVEY 2017

HOUSING NEED SURVEY 2017 HOUSING NEED SURVEY 2017 For further information please contact Amy Gregory Clerk Selattyn and Gobowen Parish Council Hawthorn Cottage Porthywaen Oswestry Shropshire SY10 8LX 01691 829571 INTRODUCTION

More information

Information for users

Information for users Information for users www.home4u.org.uk Home4U is the method of allocating properties in North Herts. You now have to choose the properties you are interested in. You won t be offered a property if you

More information

Heathrow Expansion. Land Acquisition and Compensation Policies. Interim Property Hardship Scheme. Policy Terms

Heathrow Expansion. Land Acquisition and Compensation Policies. Interim Property Hardship Scheme. Policy Terms 1 Introduction Heathrow Expansion Land Acquisition and Compensation Policies Interim Property Hardship Scheme Policy Terms 1.1 This document sets out the terms of the Interim Property Hardship Scheme (the

More information

Commercial Property Works Guide

Commercial Property Works Guide Commercial Property Works Guide (For James Hay Modular isipp, Private Client SIPP, Select SIPP, Wrap SIPP, Partnership SIPP, Family SIPP, IPS SIPP, IPS (2008) SIPP and IPS Pension Builder only) James Hay

More information

Phase 4 The Right to Buy

Phase 4 The Right to Buy Phase 4 The Right to Buy Introductions Charlotte Benstead Chief Executive at Creation trust with responsibility for leaseholders Dambile Nkunika Resident Support Officer, Creation Trust Sandy Stewart Resident

More information

AFFORDABLE HOME OWNERSHIP Gatewen Village, Gatewen Road, New Broughton, Wrexham, LL11 6UY

AFFORDABLE HOME OWNERSHIP Gatewen Village, Gatewen Road, New Broughton, Wrexham, LL11 6UY AFFORDABLE HOME OWNERSHIP Gatewen Village, Gatewen Road, New Broughton, Wrexham, LL11 6UY In partnership with Wrexham County Borough Council we are pleased to inform you of the release of further affordable

More information

Small Self Administered Scheme. Property Notes

Small Self Administered Scheme. Property Notes Small Self Administered Scheme Property Notes Contents 1. Introduction... 3 2. The Property... 3 3. The Vendor... 3 4. The Legal Owners... 3 5. Valuations... 4 6. The Purchase... 4 7. Tenants... 4 8. Lease...

More information