Renting through L&Q s Intermediate Rent Scheme (IMR)

Size: px
Start display at page:

Download "Renting through L&Q s Intermediate Rent Scheme (IMR)"

Transcription

1 Renting through L&Q s Intermediate Rent Scheme (IMR) 1

2 Who is L&Q? We are a housing association, a not-for profit organisation with charitable status. We are one of the leading providers of affordable home ownership and intermediate market rent in the country. We are one of the largest housing associations in the country. In total we manage over 70,000 homes in London and the South East. We work with local councils, the Homes & Communities Agency (the government agency that funds and regulates housing associations), the GLA, the Department for Communities and Local Government. What is Intermediate Rent (IMR)? This scheme offers you the chance to rent a brand new or refurbished apartment at a subsidised rent. The rent charged is normally 20-30% lower than what you would expect to pay for a similar apartment in the same area. Academy Central, Barking 2 1

3 Why choose to rent with us? We are the leading housing association in our field with a unique reputation for delivering what our customers want. Our customers tell us we provide excellent services before, during and after they move in. In our most recent survey over 90% of our customers said they would recommend us to their friends. We were the first in our field to be awarded the Government s Charter Mark for excellent customer service and have been awarded the Charter Mark for the third time running. We ensure all our staff are well trained and customer focussed. Because of the investment we have made in staff training and development we have secured the Gold Investors in People award. We build homes to a very high standard. We have won numerous awards including Best Regeneration scheme at both the Evening Standard and National Housing Awards as well as Best New Place to Live at the London Planning Awards to name a few. A happy resident at The City Mills, Haggerston Why choose an L&Q home? All finished to a high standard and let at rents substantially below the local market rent. Let on initial six-month tenancies making it easy for you to move if your circumstances change. Available to you for as long as you wish beyond the six months providing you keep to the terms of the tenancy and aim and save towards home ownership in the future. Substantially more affordable than any other homes of comparable quality giving you the freedom to save towards buying a home. You will benefit from the wide range of services we provide from a comprehensive and responsive repairs service to maintaining communal areas. How do I qualify? IMR was traditionally an option only available to key workers, this choice is now available to other home seekers who do not qualify for social rent homes. We believe it s important not to encourage our customers to take on financial commitments that may be too much. So we won t normally offer you a home if it will cost more than 45% of your household income (after tax is deducted). The actual amount will vary from scheme to scheme depending on its location and other features. For all IMR homes, applicants must be eligible through the L&Q Application Process. Part of this eligibility is that your total household income must be less than 66,000 a year ( 80,000 for applicants requiring a 3 bedroom home and above). The aim of IMR is for you to make a commitment to enter home ownership through low cost home ownership products in the short to medium term. This is normally within five years. When we are assessing your affordability we will be looking for you to demonstrate that the discounted rent will enable you to save a deposit to buy a home. 2 3

4 Academy Central, Barking What would prevent me from qualifying? We won t be able to help if: Your total household income exceeds 66,000 (1 or 2 bedroom home) and 80,000 (3 bedroom homes and above). You have had rent arrears during the previous 12 months or you are in breach of your current tenancy agreement. You are on a temporary work contract with less than 6 months remaining. You have an adverse credit history. You have your name on a mortgage. You must have more than 6 months leave to remain in the country. We will carry out a detailed reference before we offer you a home. If you have ever had a County Court Judgment registered against you, or if you have failed to meet the repayments on a loan, it will show up on the referencing and we may not be able to help you. We ll ask you to certify that the information you provide is complete and accurate and that you will not rent or purchase more than one property through a government funded scheme. We ll also ask you to confirm that you ll use the property as your only home. How do I apply with L&Q? You must be registered with L&Q to apply for an L&Q IMR home, further information on how to apply can be found at 4 5

5 Viewing When a suitable home is available we ll invite you to view it. If you like what you see, you can place a reservation for a home by completing a reservation and reference form. You will be required to pay a reservation fee of 500 together with a referencing fee of 50 per applicant by debit card. We will need to know when you could start your tenancy with us. Below is our Selection and Allocations policy with more information on how IMR homes are offered. Selection & Allocation L&Q provide affordable housing for people who would not otherwise be able to afford a privately rented home. We give high priority to applicants who, by renting a property through us, will free up a public sector home for re-letting to a homeless household or applicants on Local Authority housing waiting lists. We also give priority to MOD personnel to assist with recruitment and retention issues. In selecting applicants and allocating homes, we will treat everyone fairly and in accordance with our equal opportunities policy. Kilburn Wells, Kilburn Park Criteria for selection IMR is aimed at applicants able to afford the cost of Intermediate Market Rent but unable to rent a suitable home in any other way. Applications may be considered from people who have previously owned their own shared ownership home. However, they must meet the general criteria for IMR, be able to demonstrate a priority need for housing, and have sold their shared ownership property. Applications from current or existing home owners will be assessed on a case by case basis and approval to proceed must be granted by the relevant local authority. The Intermediate Rent will be set taking into consideration current market rents within the area in which the property is located. Subject to a satisfactory reference, all applicants who appear to meet the basic criteria and are considered a priority are required to attend a financial interview. Here we undertake a detailed financial assessment to ensure that the applicant will be able to sustain the rent on the property in the long term, and make a commitment to enter low cost home ownership in the future. We also check other application information such as identity and residence, for our obligations under the anti-money laundering legislation. Successful applicants will be required to sign up to the tenancy within 28 days of being offered the property, subject to the development being ready for occupancy. Priority may be given to those applicants who can move in the earliest. Tenants need to be at least 18 years old. 7

6 Allocation criteria Except for homes funded on the basis that specific groups will be prioritised, we will make offers of homes according to the following priority order unless the local authority/sub regional policy differs: Council and Housing Association tenants who, by renting a property through an affordable housing scheme, would vacate a rented home. MOD personnel. Applicants registered on a council housing waiting list. Other local priorities agreed with the local authority. This is normally applicants who live in the borough or sub-region in which the scheme is located or have a local connection. Evidence of a residence order may be required if any dependents don t live with the applicant permanently. All allocation decisions are recorded on our database and must be authorised by either the Assistant Director of Sales, Manager or Team Leader. Should an applicant wish to appeal an allocation decision the appeal should be made in writing using the L&Q appeal form and addressed to the Customer Relations team. This should be considered first by the Assistant Director of Sales who will then report the appeal to the Group Director. If the matter cannot be resolved the appeal will be referred to the Ombudsman for final arbitration. We rely on accurate information being supplied by applicants when making allocation decisions. We will withdraw any offer made if information is found to be misleading or incorrect. The Assistant Director of Sales will be responsible for the final decision. In the event of a dispute the matter can be referred through L&Q s complaints procedure. Through the Data Protection Act 1988 applicants have the right to see any personal information we hold on our computer system. Reservation fee If we offer you a tenancy, your reservation fee will go towards your first month s rent. This is not an additional payment. We will retain your reservation fee if: A happy couple at Burgess Terrace, SE1 In deciding how homes will be offered, we will take the following factors into account: Affordability. Household size. Applicants will normally be offered a home with up to one bedroom over and above their current needs. The applicant s preference. We offer you a home that you ve reserved but you ve changed your mind. We discover that you have given us false or misleading information or have failed to tell us some important information. You are unable to keep to the moving in date you gave us at the time of reserving. The 50 referencing fee is non-refundable. 8 9

7 Making an offer If we offer you one of our homes, we will assign one of our Sales Negotiators to see you through the whole lettings process. Your Negotiator will contact you with full details of our offer and be there to help if you have any questions. Your Negotiator will invite you for a one-to-one interview. This will be an opportunity for you to ask any questions you have about our homes, services and policies. We ll ask you to bring various documents with you, such as: Credit agreements Bank Statements Proof of Savings Payslips Passport or driving licence (for identification) Previous landlord reference (where applicable) We will ask for the first month s rent in advance and we will also ask you to complete a direct debit form so that your rent will be paid automatically on a monthly basis. We will also require 1 month s rent in advance as a deposit. What happens after my offer has been confirmed? Once you have paid your deposit, your Negotiator, or a Quality Inspector will meet you at your new home on a pre-arranged date where they will give you the keys to your new home and carry out a home induction. They will demonstrate the homes fixtures, fittings and equipment. You are required to pay a deposit equivalent to one month s rent (including service charge) before we can handover the keys to your new home. The deposit is held in a secure Deposit Protection Service provided by a third party. At this point, you will sign the tenancy agreement. From this point on you will be responsible for paying the rent and complying with all the terms and conditions of your tenancy. We will provide you with a Welcome Pack, a guide to your home and our services. Kingsland Wharves, Hackney Our Negotiator will calculate how much the rent will be compared to your income. If the rent is more than 45% of your income after tax is deducted we may not be able to offer you the home. This will be referred to a manager for a full assessment and final approval. If everything is satisfactory, we ll confirm the details of our offer and agree a date for you to take up the tenancy

8 Academy Central, Barking When can I move in? You can move in as soon as you have signed your tenancy agreement. Your tenancy agreement is a legally binding document. It is initially for 6 months but, as long as you keep to the terms and conditions of your tenancy, you will be able to stay for as long as you like. There is an expectancy that renting through IMR will enable you to save with the long term goal to purchase a home through low cost home ownership. How much rent will I have to pay? This will depend on the location and characteristics of the home but will usually be significantly less than local private market rents. Your rent will increase annually on the first of April. This increase will be equivalent to the rate of inflation plus 0.5%. The rate of inflation will be calculated using the retail price index (RPI) to the previous September. We may also review your rent to ensure it remains at 80% of market rates. You will also pay a service charge for services we provide, such as communal gardening, cleaning, ground rent and building insurance. This charge will be included in the total rent. The service charge will be reassessed annually to cover our costs. Rent and service charges are collected monthly by direct debit on the first day of every month. Will you do all my repairs? As your landlord, we will provide a comprehensive responsive repairs service although you are responsible for minor repairs such as replacing tap washers. We undertake to do repairs within clear timescales according to their urgency. We ll expect you to pay for any damage caused by you or your visitors

9 Your questions answered Who do I speak to if I need more information? For more information on L&Q IMR homes, please contact our Sales Enquiries team on (ext 1200 for new IMR homes or ext 5090 for existing IMR homes - Relets). Lines are open from 9am until 5pm Monday to Friday. A voic service operates out of hours and during extremely busy periods. How long will the lettings process take? If we offer you a home we will tell you when we expect it to be ready for you to move in. Occasionally delays may occur on site with newbuild properties. If this happens we will keep you fully informed. Can I have a joint tenancy? You can move in with your partner and/or children, but we will only issue a joint tenancy when two working adults apply. How many bedrooms will my home have? Our policy is to offer you a home with up to one bedroom more than you need. For example, if you are applying on your own we will usually offer you a one or two bedroom home. Are there any other costs once I move in? You will be responsible for the usual household bills such as water, electricity, gas and council tax. We are responsible for all communal utility charges, like communal lighting but the costs of these are passed on to residents through the service charge. What does the service charge cover? The service charge is incorporated within your rent. It covers the cost of providing you with any extra services. This usually means any communal services such as lighting, cleaning, landscaping, lifts or ground rent and our charges for managing these services. What if I want to move? You can move out when you want after the initial 6 month tenancy period. You must give us one month s notice in writing. Your rent payments must be up to date and the home must be left in the same condition as when your tenancy began. Subsequent renting of another IMR property can be considered on a case by case basis subject to our eligibility criteria. Can I buy my home? Some IMR homes are available to purchase and others must remain as IMR to ensure we can continue to meet the needs of applicants aspiring to home ownership. If you would like more information on whether you have the option to buy your home, please contact our Home Owners Options team on , ext 5220 or You may also wish to consider purchasing another home

10 L&Q offer homes available to purchase through low cost home ownership and outright sale. An overview of home ownership products are below: Shared Ownership is a part-buy/part-rent scheme offering you the opportunity to buy what you can afford now. Resales are part rent, part buy properties that were built and sold in the past that are now available for purchase on a part buy, part rent basis because the existing owners wish to sell. Outright Sale is purchasing a home 100% and becoming an owner/ occupier. All schemes are subject to availability of funding and eligibility criteria. Further information on all Low Cost Home Ownership schemes and Outright Sales can be found at or: if you live in any London borough. if you live in Berkshire, Buckinghamshire, Essex, Kent, Oxfordshire, Surrey or Sussex. Our Equal opportunities policy We are committed to promoting equality and diversity. We think there is real value in having people in our workforce from a variety of backgrounds and with a diverse range of experiences and abilities. We are dedicated to providing services to all sections of the community and we expect everyone who works for us to support us in this. This is what we will do: Provide and promote equal opportunities, whatever a person s race, colour, ethnic or national origin, religion, beliefs, sex, age, sexuality, HIV status, physical or mental disability, state of health, appearance, marital status, family circumstances or offending behaviour. Give all staff equality and diversity training Encourage groups and individuals that are disadvantaged in housing and employment, to apply for jobs, homes and work contracts Keep a record of the ethnic origin, sex, disability and age of everyone who applies to us for a home or job Consider equal opportunities when we decide who serves on our management board Make sure everyone we work with or who works for us knows about our policy and keeps to it. If any of these people have their own policy, we will make sure it fits in with ours. Take into account good practice in equal opportunities when we update our housing and employment policies and procedures. Happy residents at Cowdrey Mews, Sydenham 16 17

11 Woolwich Central, Greenwich Our service promise Communicating with you We promise to: Answer the phone within 15 seconds Respond to voic messages within one working day Reply to s and letters within five working days See you within 10 minutes if you arrive at our offce without an appointment We ask you to: Keep any appointments you have agreed with us. Buying your home We promise to: Explain the whole process to you clearly before you buy your new home Provide you with a free financial interview and access to mortgage advisors; and Guide you through every step of buying your home We ask you to: Go to all appointments we have invited you to Be honest about your financial circumstances; and Contact us regularly throughout the process Your home is at risk if you fail to keep up payments on any mortgage, rent or other loan secured on it. Please make sure you can afford the repayments before you take out a mortgage

12 Contact us We re here to help so please do contact us with any queries you may have along the way. We re available between 9.00am and 5.00pm Monday to Friday. Most of our developments are open at weekends. For the opening hours, please see our website. Phone: Minicom: Visit: Happy resident at Burgess Terrace, SE

13 One Kings Hall Mews. Lewisham. London SE13 5JQ Tel: Fax: L&Q is an exempt charity 22 L&Q Design Studio LQ0287

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

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

RENTING AT THE MILL - INFORMATION PACK

RENTING AT THE MILL - INFORMATION PACK RENTING AT THE MILL - INFORMATION PACK SUMMER 2018 COMING 442 HOMES T O RENT The Mill, Canton will create a brand new village community in an extremely desirable riverside location, close to the city centre.

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

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

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

MAYOR OF LONDON. Please be aware that Housing Moves cannot guarantee a move to everyone who registers for the scheme.

MAYOR OF LONDON. Please be aware that Housing Moves cannot guarantee a move to everyone who registers for the scheme. MAYOR OF LONDON Welcome to the Housing Moves scheme. We know that moving home can be daunting and that giving up a secure tenancy can be a big step. The following information is to advise you on how the

More information

Lettings and Allocations Policy Sheltered Housing

Lettings and Allocations Policy Sheltered Housing Lettings and Allocations Policy Sheltered Housing Greenfields - Cuffley Hollier Court - Hatfield Churchfield House - Welwyn Garden City Elizabeth Close - Welwyn Garden City Welwyn Garden City Housing Association

More information

02 Register with us 03 View with us 04 Making an offer 05 Helping you in your new home 06 Your utility bills 07 Move with us 08 Making your move

02 Register with us 03 View with us 04 Making an offer 05 Helping you in your new home 06 Your utility bills 07 Move with us 08 Making your move Tenant s Guide 1 2 02 Register with us 03 View with us 04 Making an offer 05 Helping you in your new home 06 Your utility bills 07 Move with us 08 Making your move simple 09 Rent with us 10 Customer care

More information

Supporting documents; DHC publications & HomeSwapper publications. Health & safety; Breach of this policy unlikely to have direct impact on H&S

Supporting documents; DHC publications & HomeSwapper publications. Health & safety; Breach of this policy unlikely to have direct impact on H&S Section; Housing Policy name; Lettings Policy Executive responsible; Housing Manager Review by; Housing Manager Tenant review: Not yet Type of review; Exception Authority to amend; Board Frequency of review;

More information

Guide to the housingmoves scheme

Guide to the housingmoves scheme A very warm welcome to housingmoves. You are probably reading this because you would like to move to another part of London. You might want to be closer to your job or training course. You might want a

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

The Scottish Social Housing Charter

The Scottish Social Housing Charter The Scottish Social Housing Charter April 2017 2 The Scottish Social Housing Charter Table of contents page 1. Introduction 2 2. Charter outcomes and standards 5 3. A note about language 12 3 1. Introduction

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 housing options.

Your housing options. Your housing options www.circle.org.uk/circle33 Contents Under Occupation Scheme 3 Applying for a Transfer 4 Mutual Exchange 6 Fly the Nest 8 Local Authority 10 Enhanced Mobility Options 12 Home Ownership

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

Shared Ownership. Application Form and Guidance. Please complete and return to:

Shared Ownership. Application Form and Guidance. Please complete and return to: Shared Ownership Application Form and Guidance Please complete and return to: Port of Leith Housing Association Ltd 108 Constitution Street Edinburgh EH6 6AZ Tel : 0131 554 0403 Should you require help

More information

Supporting documents; Devon Home Choice policy and procedures, Rentplus lettings process and criteria

Supporting documents; Devon Home Choice policy and procedures, Rentplus lettings process and criteria Section; Housing Policy name; Lettings Policy Executive responsible; Housing Manager Review by; Housing Manager Tenant review: Yes Type of review; Exception Authority to amend; Board Frequency of review;

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

Shared Ownership Allocations Policy Islington & Shoreditch and Lien Viet Housing Associations

Shared Ownership Allocations Policy Islington & Shoreditch and Lien Viet Housing Associations Shared Ownership Allocations Policy Islington & Shoreditch and Lien Viet Housing Associations 1. Policy statement This policy outlines Islington & Shoreditch Housing Association s (ISHA) and Lien Viet

More information

TENURE POLICY. 1.2 The Policy sets out the type of tenancy agreement we will offer when letting our properties for the following tenures.

TENURE POLICY. 1.2 The Policy sets out the type of tenancy agreement we will offer when letting our properties for the following tenures. Part of the Trust s Tenancy Management Framework Level 1 policy approval TENURE POLICY 1. Introduction 1.1 The Vale of Aylesbury Housing Trust (the Trust) is a Registered Provider of homes. In accordance

More information

Perth and Kinross. Common Allocations Policy

Perth and Kinross. Common Allocations Policy Perth and Kinross Common Allocations Policy April 2016 2 Contents Summary 4 1 Introduction 5 2 Our Aim, Objectives and Principles 7 3 Applying for Housing 8 4 Your Application 9 5 Types of Housing and

More information

TENANTS TERMS AND CONDITIONS

TENANTS TERMS AND CONDITIONS TERMS & CONDITIONS TENANTS TERMS AND CONDITIONS All applicants MUST have a good credit history All applicants must be able to provide proof of address AND identification All properties are let AS SEEN

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

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

Housing Decisions Panel Policy 08/03/2017

Housing Decisions Panel Policy 08/03/2017 Housing Decisions Panel Policy 08/03/2017 Housing Decisions Panel Policy Author: SDV Authorised by: ELT Owned by Housing Ops/Housing (Team/Dept): Demand Issue No: 2.0 Effective from: 8/3/17 Next Review

More information

POLICY: LETTINGS. 1.0 Introduction. 2.0 Background Legislation. 3.0 Definitions. 4.0 Objectives

POLICY: LETTINGS. 1.0 Introduction. 2.0 Background Legislation. 3.0 Definitions. 4.0 Objectives POLICY: LETTINGS 1.0 Introduction 1.1 Thames Valley Housing (TVH) supports Local Authorities (LAs) with their strategic housing functions and their duties to meet identified local housing needs. 1.2 We

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

ORBIT VOLUNTARY RIGHT TO BUY POLICY

ORBIT VOLUNTARY RIGHT TO BUY POLICY Document Title Version Final v1.0 Release Date August 2018 Review Date August 2020 Extension Reason(s) Extension date approved Approver details Document Type Sponsor Author Voluntary Right to Buy Policy

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

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

Island HomeFinder. Scheme guide

Island HomeFinder. Scheme guide Island HomeFinder Scheme guide In this guide About Island HomeFinder Page 3 How to use Island HomeFinder Page 4 Which properties can I bid for? Page 6 How are applications prioritised? Page 7 Medical and

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

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

Housing for Aboriginal and Torres Strait Islander People

Housing for Aboriginal and Torres Strait Islander People Housing for Aboriginal and Torres Strait Islander People July 2008 Housing NSW is committed to providing safe, low cost and culturally appropriate housing and tenancy services for Aboriginal and Torres

More information

Leasehold Management Policy

Leasehold Management Policy Author(s): Simon McCracken and Liz Evans Leasehold Management Policy Approved by: The Board Date: 3 rd December 2015 Date Published: 1 st January 2016 Version: Live 3.0 Review Date: December 2019 Contents

More information

Lodger and sub-letting policy

Lodger and sub-letting policy Lodger and sub-letting policy Date: Author: 1 st July 2015 Sue Wilson for you for your community not for profit TWO RIVERS HOUSING Lodger and Sub-letting Policy 1.0 Introduction 1.1 Two Rivers Housing

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

Housing Allocation Scheme October 2011 Summary

Housing Allocation Scheme October 2011 Summary Housing Allocation Scheme October 2011 Summary Contents 1. Choice Based Lettings 3 2. Bidding Process 4 3. Time Limited Bidding 4 4. Arrears 5 5. Distribution of Properties between Priority Groups 5 6.

More information

Should you have any further queries, we would be pleased to assist.

Should you have any further queries, we would be pleased to assist. A TENANT S GUIDE TO RENTING Hilbery Chaplin has specialised in letting residential properties for many years and prides itself on a personal service to both landlord and tenant. This document is designed

More information

Tenants Guide. Introduction

Tenants Guide. Introduction Tenants Guide Introduction... 1 Fee Structure... 2 References... 2 Right to Rent... 3 Taking possession of the property and signing of the Tenancy Agreement.... 3 Contents and Buildings Insurance... 4

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

Your own. home

Your own. home Your own home 0300 100 0021 info@helptobuysw.org.uk www.helptobuysw.org.uk We found the whole process very straightforward and we would recommend the scheme to others in a similar situation. Help to Buy

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

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

ALLOCATIONS & TRANSFERS POLICIES & PROCEDURES

ALLOCATIONS & TRANSFERS POLICIES & PROCEDURES ALLOCATIONS & TRANSFERS POLICIES & PROCEDURES FIRST PRODUCED: 1995 REVIEW DATE: 24 JULY 2002 NEXT REVIEW DATE: JULY 2003 MINOR REVIEW OCTOBER 2005 MINOR REVIEW NOVEMBER 2006 REVIEWED: MARCH 2011 MINOR

More information

New Era Rent Setting Policy

New Era Rent Setting Policy Effective date: January 2016 Review date: January 2019 Approved: August 2015 Author: Managing Director CONTENTS Scope Policy statement Rent setting aims Personalised Rents Standard Rent Rents for new lets

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

Annual Report to South Cambridgeshire District Council Tenants [DRAFT TEXT]

Annual Report to South Cambridgeshire District Council Tenants [DRAFT TEXT] APPENDIX A Annual Report to South Cambridgeshire District Council Tenants [DRAFT TEXT] Welcome Welcome to our first annual report to tenants that sets out our performance as a landlord and the commitments

More information

ALLOCATIONS & LETTINGS POLICY

ALLOCATIONS & LETTINGS POLICY ALLOCATIONS & LETTINGS POLICY 1 Introduction 1.1 CHISEL is a registered housing association dedicated to the development and support of housing co-ops and to a high level of tenant participation in the

More information

homes for rent how to apply for a home

homes for rent how to apply for a home homes for rent how to apply for a home Please note that our Plus Dane customer contact telephone numbers refered to throughout this leaflet have now changed to: 0800 169 2988 [free from most UK landline

More information

Common mistakes people make when moving house ( and how to avoid them)

Common mistakes people make when moving house ( and how to avoid them) Common mistakes people make when moving house ( and how to avoid them) For many people buying or selling a home is an extremely stressful experience. Usually the process involves a chain of transactions

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

Qualification Snapshot CIH Level 3 Certificate in Housing Services (QCF)

Qualification Snapshot CIH Level 3 Certificate in Housing Services (QCF) Qualification Snapshot CIH Certificate in Housing Services (QCF) The Chartered Institute of Housing (CIH) is an awarding organisation for national qualifications at levels 2, 3 and 4. CIH is the leading

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

Guidance notes to help you complete Dispute Applications and Responses

Guidance notes to help you complete Dispute Applications and Responses Guidance notes to help you complete Dispute Applications and Responses These notes are intended to provide guidance to the parties to a dispute when they are completing a Dispute Application or Dispute

More information

SSHA Tenancy Policy. Page: 1 of 7

SSHA Tenancy Policy. Page: 1 of 7 POLICY 1. Overall Policy Statement 1.1 South Staffordshire Housing Association (SSHA) will work with all customers to develop and maintain sustainable communities and sees a range of tenancy products and

More information

Who should read this? How To (Post-Tenancy) Tenants Agents Landlords. The dispute process

Who should read this? How To (Post-Tenancy) Tenants Agents Landlords. The dispute process Who should read this? How To (Post-Tenancy) Tenants Agents Landlords The dispute process You have reached the end of the tenancy but can t agree what should happen to the deposit. What should you do now?

More information

Customer Engagement Strategy

Customer Engagement Strategy Customer Engagement Strategy If you have difficulty with sight or hearing, or if you require a translated copy of this document, we would be pleased to provide this information in a form that suits your

More information

What is the Tenancy Deposit Scheme?

What is the Tenancy Deposit Scheme? What is the Tenancy Deposit Scheme? An advisory leaflet for landlords and tenants Tel: 0300 037 1000 Fax: 01442 253193 Email: deposits@tds.gb.com www.tenancydepositscheme.com Tenancy Deposit Scheme, PO

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

2 3 2 U n l e y R o a d, U n l e y, S A,

2 3 2 U n l e y R o a d, U n l e y, S A, TENANT APPLICATION INFORMATION ***** TENANT TO RETAIN THIS INFORMATION ***** APPLICATIONS WILL NOT BE PROCESSED UNLESS ALL INFORMATION IS SUPPLIED OFFICE HOURS - Our office is open Monday to Saturday 9

More information

1 Adopting the Code. The Consumer Code Requirements and good practice Guidance. 1.1 Adopting the Code. 1.2 Making the Code available

1 Adopting the Code. The Consumer Code Requirements and good practice Guidance. 1.1 Adopting the Code. 1.2 Making the Code available The Non-mandatory Good Practice for Home Builders along The Consumer Code s and good practice 1 Adopting the Code 1.1 Adopting the Code Home Builders must comply with the s of the Consumer Code and have

More information

LETTINGS POLICY. Plus Dane Housing Page 1 of 10

LETTINGS POLICY. Plus Dane Housing Page 1 of 10 Table of Contents 1. Our Approach... 2 1.1 Choice Based Lettings... 2 1.2 Alternative Marketing Routes... 3 1.3 Management Moves... 3 1.4 Sensitive Lets... 4 1.5 Local Letting Schemes... 4 1.6 Medical

More information

Choosing the right tenant

Choosing the right tenant Choosing the right tenant You want tenants who ll care for your property and fulfil all their obligations. Before you sign a tenancy agreement, you can do several things to gather information on potential

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

Hartlepool Good Tenant Scheme Membership Application Form

Hartlepool Good Tenant Scheme Membership Application Form Hartlepool Good Scheme Please complete and return this application form to: Hartlepool Good Scheme, Housing Options Centre, Park Towers, Park Road, Hartlepool, TS24 7PT 01429 284890, E-mail tenant.ref@hartlepool.gov.uk,

More information

CRE Residents Ballot Workshop

CRE Residents Ballot Workshop CRE Residents Ballot Workshop 4 October 2018 Agenda 1. Welcome and housekeeping - Chair, Tom Bremner 2. Apologies and introductions 3. Presentation outlining Mayor of London Guidance on ballot 4. Workshops

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

Already have a voucher and have questions? The following information might be helpful. If you still have questions, call (619)

Already have a voucher and have questions? The following information might be helpful. If you still have questions, call (619) FAQ for Participants Already have a voucher and have questions? The following information might be helpful. If you still have questions, call (619) 336-4254. 1. Now that I have a voucher, how do I use

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

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

CONTROLLING AUTHORITY: Head of Housing & Community Services. DATE: August AMENDED: Changes to Starter Tenancies.

CONTROLLING AUTHORITY: Head of Housing & Community Services. DATE: August AMENDED: Changes to Starter Tenancies. TENANCY POLICY CONTROLLING AUTHORITY: Head of Housing & Community Services ISSUE NO: 3 STATUS: LIVE DATE: August 2014 AMENDED: Changes to Starter Tenancies 1 Index 1.0 Purpose of the Policy 2.0 Tenancy

More information

Fortis Living and Waterloo Housing Group Voluntary Right to Buy Sales Policy

Fortis Living and Waterloo Housing Group Voluntary Right to Buy Sales Policy Fortis Living and Waterloo Housing Group Voluntary Right to Buy Sales Policy Scope of Policy This policy sets out the approach to be taken by Fortis Living and Waterloo Housing Group ( the Group ) in relation

More information

Starter Tenancy Policy

Starter Tenancy Policy Starter Tenancy Policy Originator: Executive Management Team Approval Date: Policy and Strategy Team 12 September 2017 Review date: September 2018 1 Introduction 1.1 1.2 1.3 One Vision Housing (OVH) uses

More information

Rochdale Borough Council. and Partners. Housing Allocation Policy

Rochdale Borough Council. and Partners. Housing Allocation Policy Rochdale Borough Council and Partners Housing Allocation Policy OWNERSHIP OF POLICY This is Rochdale Borough Council s Housing Allocation Policy. The Council and its partner registered housing providers

More information

Affinity Sutton Home Choice User Guide

Affinity Sutton Home Choice User Guide 1 Affinity Sutton Home Choice User Guide Contents 1. How the scheme works 2. Using Affinity Sutton Home Choice 3. Adverts 4. Registration 5. Verification 6. How to place a bid 7. The offer 8. Giving preference

More information

Homeowners Handbook. A guide to your home and community

Homeowners Handbook. A guide to your home and community Homeowners Handbook A guide to your home and community 2 Welcome to your home -- This handbook was designed with the help of residents. It provides a short guide to the services we provide and your responsibilities

More information

HOLDING DEPOSIT: (Cash / Transfer) DATE: OUTSTANDING BALANCE:

HOLDING DEPOSIT: (Cash / Transfer) DATE: OUTSTANDING BALANCE: PROPERTY ADDRESS: PROPOSED TENANCY START DATE: NOMINATED LEAD TENANT: This is the person that will be the main point of contact in respect of the security deposit registration and return Conditions & Questions:

More information

Easy Read Annual Report for Tenants

Easy Read Annual Report for Tenants A leading provider of housing care and support in Sussex Easy Read Annual Report for Tenants 2017-18 We are a specialist housing association committed to preventing homelessness and supporting vulnerable

More information

TENANT APPLICATION INFORMATION TENANT TO RETAIN THIS INFORMATION APPLICATIONS WILL NOT BE PROCESSED UNLESS ALL INFORMATION IS SUPPLIED

TENANT APPLICATION INFORMATION TENANT TO RETAIN THIS INFORMATION APPLICATIONS WILL NOT BE PROCESSED UNLESS ALL INFORMATION IS SUPPLIED TENANT APPLICATION INFORMATION TENANT TO RETAIN THIS INFORMATION APPLICATIONS WILL NOT BE PROCESSED UNLESS ALL INFORMATION IS SUPPLIED OFFICE HOURS Our office is open Monday to Saturday 9:00am to 5:30pm.

More information

DOA REF. MERTHYR Living T H E A F F O R D A B L E WAY TO O W N YO U R O W N H O M E. MERTHYR TYDFIL County Borough Council

DOA REF. MERTHYR Living T H E A F F O R D A B L E WAY TO O W N YO U R O W N H O M E. MERTHYR TYDFIL County Borough Council DOA REF MERTHYR Living Information Pack Application Form T H E A F F O R D A B L E WAY TO O W N YO U R O W N H O M E MERTHYR TYDFIL County Borough Council The Merthyr Living scheme has been created because

More information

ALLOCATIONS & TENANCY POLICY

ALLOCATIONS & TENANCY POLICY HS 035 HAVEBURY HOUSING PARTNERSHIP POLICY ALLOCATIONS & TENANCY POLICY Controlling Authority Director of Operations Policy Number HS035 Status Approved Date July 2016 Review Date July 2019 Amended April

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

FORM 1 CL8 TENANT TO RETAIN THIS INFORMATION

FORM 1 CL8 TENANT TO RETAIN THIS INFORMATION TENANT TO RETAIN THIS INFORMATION TENANT APPLICATION INFORMATION APPLICATIONS WILL NOT BE PROCESSED UNLESS ALL INFORMATION IS SUPPLIED Contact will be made within 7 days of viewing the property if your

More information

Your guide to Devon Home Choice

Your guide to Devon Home Choice Your guide to Devon Home Choice Your guide to Devon Home Choice Your guide to Devon Home Choice Devon Home Choice is a way of looking for council and housing association homes. Under Devon Home Choice

More information

1.3 The grant of a new tenancy normally follows the allocation of a home by SCH through the Solihull Home Options ( SHO ) scheme.

1.3 The grant of a new tenancy normally follows the allocation of a home by SCH through the Solihull Home Options ( SHO ) scheme. Tenancy Policy 1.0 Purpose of the tenancy policy 1.1 This Policy sets out the types of tenancies, which will be granted to new tenants of Council owned homes from 7 th April 2014. It does not affect those

More information

Southend-on-Sea Borough Council. Tenancy Policy

Southend-on-Sea Borough Council. Tenancy Policy Southend-on-Sea Borough Council Tenancy Policy 2013-18 Tenancy Policy Contents Page No. 1. Introduction 3 2. Strategic Context 3 3. Policy Aims 3 4. The types of tenancies we offer 4 5. Flexible tenancy

More information

WELCOME TO ACCOMMODATION THIS BROCHURE IS HERE TO YOU MAKE THE HELP RIGHT CHOICE

WELCOME TO ACCOMMODATION THIS BROCHURE IS HERE TO YOU MAKE THE HELP RIGHT CHOICE WELCOME TO STAFF ACCOMMODATION THIS BROCHURE IS HERE TO YOU MAKE THE HELP RIGHT CHOICE FOR YOU USEFUL INFORMATION Corporate Services Littlemore Mental Health Centre Sandford Road Littlemore Oxford OX4

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

homes for rent how to apply for a home

homes for rent how to apply for a home homes for rent how to apply for a home Please note that our Plus Dane customer contact telephone numbers refered to throughout this leaflet have now changed to: 0800 169 2988 [free from most UK landline

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

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

What is the Tenancy Deposit Scheme?

What is the Tenancy Deposit Scheme? Your TDS guide to: What is the Tenancy Deposit Scheme? An advisory leaflet for landlords and tenants TDS Scheme Leaflet. 6th Edition, Revised April 2018 Rebranded 2017 TDS There is a printer-friendly version

More information

Consumer Code for Home Builders

Consumer Code for Home Builders Consumer Code for Home Builders This document contains the Consumer Code requirements together with non-mandatory good-practice guidance for Home Builders Third Edition April 2013 Contents Meaning of words...

More information

sold Right to buy and right to acquire

sold Right to buy and right to acquire sold Right to buy and right to acquire 2 The Westward Group is committed to treating all people with fairness and respect. We aim to actively help remove barriers and open doors for our customers and staff

More information

Approved by Management Committee 25/02/15

Approved by Management Committee 25/02/15 Date Issued February 2015 Department Title Objective Responsible Housing Shared Ownership To set out our policy in relation to the management, allocation and sale of Shared Ownership properties Director

More information

Joint Tenancies Policy

Joint Tenancies Policy Joint Tenancies Policy 2018 2021 Document control Policy approval April 2018 EDT Replacing/ updating Joint Tenancy Policy 2015-18 Next review date April 2021 Author Neighbourhoods & Income Business Manager

More information

TENANT APPLICATION INFORMATION

TENANT APPLICATION INFORMATION TENANT APPLICATION INFORMATION TENANT TO RETAIN THIS INFORMATION APPLICATIONS WILL NOT BE PROCESSED UNLESS ALL INFORMATION IS SUPPLIED OFFICE HOURS Our office is open Monday to Friday 9:00am 6:30pm, Saturday

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