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Exploring Help to Buy and Shared Ownership schemes

Photo of new home example of available on shared ownership scheme or help to buy schemes in UK

Have you ever heard the words “shared ownership”, or “Help to Buy” but always wondered exactly what people were talking about?

The world of affordable home ownership might seem like a complex one, particularly for first-time buyers, but here at HomeFocus we strive to cut through the jargon and tell you exactly what you need to know.

Thanks to the sky-high prices of homes and houses nationwide, people right across the country are being priced out of the open market, and add that to the extortionate cost of renting, it’s no wonder that people are struggling to get a foot on the property ladder.

However, there are affordable home ownership schemes in place to help you buy your own home - and the key word there is affordable.

All aboard for Herne bay: hyde new homes launch contemporary bayside homes 

The Elements

Multi award-winning Housing Association Hyde New Homes launched The Elements – a unique community of two- to four-bedroom homes set at the west end of Herne Bay, available for sale and through the Help to Buy scheme. 

Herne Bay gained prominence in the Victorian era as a resort town, home to the world’s first freestanding, purpose-built Clocktower, as well as a bustling promenade and pleasure pier. While the coastal retreat has since evolved into a thriving municipality, the area has maintained its traditional charm, making it a favourite of young families, commuting professionals, and first-time buyers alike.

Top four reasons to move to Willow grove, Wixams village revealed

Willow Grove

According to leading developer Barratt and David Wilson Homes Northampton, location is still one of the most important considerations for buyers looking for their new home and its development Willow Grove in Wixams Village is no exception.

Wixams Village is a flourishing community close to Bedford town centre, offering an array of necessary amenities nearby to ensure homebuyers are welcomed with a relaxed way of living.

Alison Raine, Sales Director at Barratt and David Wilson Homes Northampton, said: 

“Our beautiful new homes are thoughtfully situated so residents can make the most of the local facilities, meaning they are not only benefiting from a quality home, but also the convenience and pleasure in the surrounding areas.

A third of renters don’t want to buy a property

Sofology

A study, done by Sofology, of 1,000 renters reveals people are happy to rent long-term and have no plans to purchase a property.

A third of renters (33%), which equates to over 1.48 million renter households in the UK1, are happy to rent long-term and have no plans to purchase a property in the future, new research reveals.

The feeling of freedom

Examining people’s thoughts on buying a home, nearly a third (31%) said they don’t think getting on the property ladder is important.

A quarter of renters (26%) state that they don’t want the responsibility of owning a home and love the freedom of renting, whilst almost 1 in 10 (7%) said they prefer to spend their money elsewhere, such as travel and other life experiences.

Historic Gloucestershire discoveries set to be donated to museum

Gloucestershire Museum

Historians will be able to build up a better picture of life at a Gloucestershire village thanks to a donation of artefacts from David Wilson Homes to Gloucestershire Museums.

The housebuilder commissioned a specialist team to undertake an archaeology project at the site of its Whittington Park development in Longford, near Gloucester, before work started to build new homes.

And, with the project fully complete and artefacts assessed by experts, the items have been passed on to the local museum service for preservation.

Kids schooled in safety by Barratt Manchester

J One Seven teaches safety

Pupils at Offley Primary have been learning how to stay safe on site, thanks to a visit to J One Seven hosted by Barratt Homes Manchester.

A total of 30 school children donned hard hats and hi-vis vests and set off to the development to learn the importance of site safety.

The educational visit aimed to promote staying safe on site, whilst informing the children on what goes on at a building site. The children were able to learn about the machinery on site and all of the different tradesmen and what they do. 

The youngsters were also given a tour of the show home at the development, where they were able to see what the homes look like once they have been completed.

Start with security

Yale Home Security Solution

When moving into your first home, there are plenty of things to think about; from the colour of the kitchen, to the type of flooring to choose and even the kind of sink you want in the bathroom, but, unfortunately, many new homeowners often forget about the importance of their home security when taking the leap of faith and purchasing their own property.

In fact, recent statistics have revealed that homeowners who’ve been living in their home for less than a year are almost twice as likely to be burgled than the average home*, so it’s worth considering the risk. To help you understand what you can do to protect your home, the specialist team at Yale has given us some top tips to make sure your home is protected, right from the moment you move in.

Sales centre opens its doors to Milton Keynes homebuyers at Eagles’ rest

Eagles Rest development

Keen property seekers in Buckinghamshire are being encouraged to visit Barratt Homes South Midlands’ Eagles Rest development in Milton Keynes now that the new sales centre is officially open.

Visitors to the Fen Street development will be provided with professional guidance from the onsite Sales Advisers, who are available five days a week to assist eager house hunters.

Eagles Rest is a sought-after community suited to first-time buyers, growing families and working professionals alike with a beautiful collection of two, three and four bedroom homes ready to reserve.

Excellent transport links are a fine asset in close proximity, whilst homebuyers will remain close to the countryside offering a relaxed lifestyle to complement a desirable new home.

Barratt Homes donates £2000 to local armistice project

Longridge Cluster School’s Armistice Project

Five-star housebuilder Barratt Manchester recently sponsored £2,000 towards the Longridge Cluster School’s Armistice Project.

The ‘Longridge Cluster Schools Armistice Project’ involves 500 children and adults from the Longridge Cluster Schools working together to perform a show in Preston Guild Hall called ‘Armistice’.

The show, written by Barnacre Road Primary School Head Teacher – Simon Wallis, will be performed on November 11th 2018, which marks the centenary for the end of The Great War. The performance aims to tell the story and remember the key events of the conflict through music, dance, drama, poetry and visual arts and will culminate with an act of remembrance.

Brit's Can't Make Sense Of The Spring Clean

Brit's Can't Make Sense Of The Spring Clean

BRITAIN is a nation with a lack of understanding about the annual spring clean, new research reveals.

A survey of 1,015 UK adults carried out by leading household appliances retailer, AppliancesDirect.co.uk revealed how only 41% of Brits said that they did the annual clean this spring season.

In comparison, the majority (59%) admitted that they hadn’t done the spring cleaning housework this year.

When quizzed on the reasons for these spring cleaning habits among Brits, an overwhelming 44% of those surveyed revealed that they don’t know which cleaning tasks are involved when it comes to the annual spring clean.

Bovis Homes - Delivering quality over the decades

Bovis Homes - Delivering quality over the decades

Much has changed in the world since Pat Haggerty worked in the payroll department at Bovis Homes more than 40 years ago.

What hasn’t changed is the home builder’s commitment to building quality new homes and stunning communities across the south east, and Pat knew just what she was getting when she recently moved into a new Bovis Home in West Sussex.

The spacious four-bedroom detached home at Bovis Homes' Hampton Park location in Littlehampton is ideal for Pat, her daughter Dawn and granddaughter Teri-Rose.

Impressive Home Improvements

Impressive Home Improvements

Investing in home improvements? These are the things that impress your neighbours the most

Owning a wine cellar is seen as the biggest indicator of success in the home 

Brits aspire to own a walk-in wardrobe more than any other household item or feature 

A double garage and real-wood flooring are also seen as ‘status symbols’ 

A recent study of 2,000 UK adults by Hitachi Personal Finance, reveals the home features that Britons most associate with being successful, as well as the ones we most aspire to own ourselves. 

The household items and features that were seen to hold the most status are: 

Walk in wardrobe (29%)

A log burner (22%) 

A Smart TV (21%)

The truths behind remortgaging

The truths behind remortgaging

After the 2017 Base Rate rise – and the predictions that it may rise again – many homeowners will be considering remortgaging to lock into a fixed rate. But for many, remortgaging is a tricky topic to understand. Will it actually save you money? Is it the right time to do it? Will you have to pay extra fees?

Leeds Building Society unearths the truths behind the common misconceptions.

‘You get more for your money with Bovis Homes’

Bovis Homes

When Dan Smith was searching for a brand-new property in the South East, he always knew that he could depend upon Bovis Homes to make his dreams come true.

His strong belief and confidence in the national house builder was built on firm foundations as he had enjoyed many happy times in the property from which he was looking to move – which had been built with pride by Bovis Homes a few years before.

British homeowners look but don't touch

British homeowners
  • British homeowners are styling their homes for social media likes
  • 88% of homeowners inspired by social media to style their home
  • Nottingham residents are the most house-proud Brits

BRITISH homeowners are forgoing a lived-in home in a bid to style their house for an increased social media following, according to new research.

A survey of 1,000 UK adults by DiscountFlooringDepot.co.uk has revealed that 62% of British homeowners would prefer their house to look like a show home rather than a homely comfortable look.

88% of Brits are inspired by social media to style their home to perfect show home standards rather than opting for a more comfortable lived in home.

New shared ownership housing scheme offers affordable ‘forever homes’ for London families

A new scheme offering family-sized houses to buy in London under shared ownership has been launched by housing provider, Octavia.

The scheme, which is a first for Octavia in that it is open to anyone currently living in a London borough, offers a selection of three or four bedroom houses at Octavia Living’s Gladstone Village*, a new development in a quiet, green space location, overlooking parklands near Dollis Hill, London NW2.

The scheme is aimed at helping working families across London, who are priced out of the London housing market but wish to live close to where they work and to be part of a community.  It represents a new departure in shared ownership for Octavia and recognises the growing need for affordable housing for people other than first time buyers.

From flat to flowers: A first-time buyer’s guide to owning a garden

From flat to flowers: A first-time buyer’s guide to owning a garden

As young people are spending almost six times more on rent than their baby-boomer counterparts, the concept of owning a garden is unfortunately a myth to many. If you are lucky enough to have made the leap on the property ladder, or your flat comes with some luscious greenery, you may be wondering where to start.

 

Gardening is a tough process of trial and error, but you will learn from it, be kept busy and might even grow some free food in the process too! Follow our beginner’s tips below and you will be set to get your green fingers in no time.

 

Pick seeds over plants

Advice for first time buyers on upcycling/restoring furniture

Advice for first time buyers on upcycling/restoring furniture

The Emporium Somerset’s Co-owner, Cato Cooper, has her own painted furniture and home accessories studio and workshop and she offers advice on how to upcycle and restore items, so first-time buyers don’t have to blow their budgets on furnishing their new homes.
 
She says: “Buying your first home can be a pretty big expense, so you’ll want to save money wherever possible. For many the cost of the purchase and the monthly payment of a mortgage make it tricky to buy furniture too, however if you aim to upcycle and restore, rather than buying brand new, you could save a fortune.
 

Preparing your home for winter

Preparing your home for winter

Now that autumn is officially here, it’s time to start to think about preparing your home for even colder weather over the winter months.

Fortunately, leading specialists Gutter Supplies have some top tips that will save your home from taking the brunt of the harsh weather.

Gutters

Although gutters may not be on the top of your list of priorities, it is essential to keep them damage free and in working order through the colder months.

The UK property market is evolving

The UK property market is evolving
  • Adults are choosing to buy homes with friends rather than wait for a partner
  • Increased number of online searches for ‘tenancy in common’

 

The homeownership market in the UK is evolving, with more tenants choosing to buy and live in homes with friends, rather than with a partner or on their own.

 

To understand this emerging trend, online furniture retailer Furniture Choice conducted a UK wide survey and spoke with individuals who have already bought a house with a friend.

 

Modern day living at the heart of community village

Leading housing developer announces Help to Buy homes in the heart of community village

A stylish new development is offering househunters the opportunity to sample the perfect blend of modern living: state-of-the-art affordable home comforts combined with traditional village life. 

Just over 12 miles away from the city of Chester, David Wilson’s Haddington Park development is ideally located for young professionals looking for affordable homes and an easy commute across the North West.

Located on the edge of the chocolate-box village of Tarporley, Haddington Park offers residents a friendly community feel, in addition to a wide range of facilities. 

Don’t look now! When house viewing, getting distracted by clutter could cost you thousands

First-time buyers spend just two minutes reviewing structural features on buildings before placing an offer
Buyers spend more than half their time looking at clutter, decor and personal items

Buyers are distracted by clutter and personal items when viewing homes and could be missing problems that would cost thousands of pounds to fix, new research suggests.

The innovative study, conducted by Anglian Home Improvements, used eye tracking technology to monitor potential buyers as they viewed a property and revealed how little time is spent looking at the building structure itself.

Metropolitan has a large range of new homes 

Metropolitan

Metropolitan has a large range of new homes to offer across a range of locations in London, the Home Counties and East Midlands.  

Most of the homes we have for sale in this financial year will be available through Shared Ownership – the part buy, part rent option where buyers purchase a share in the value of the home that they can afford (between 25% and 75% of the value of the home) and pay us a subsidised rent on the remainder.

Shared Ownership brings down the costs of entering home ownership as buyers only have to raise a deposit on the share that they are buying (as opposed to on the full market value) and monthly housing costs for Shared Ownership are less than they would be for the same home being bought outright or being rented privately.

How to Get On the Property Ladder

Home buying

In today’s economic climate, getting on the property ladder has never been more challenging. The label of ‘generation rent’ seems to cause set back upon set back but, fear not, as all is not lost; there is a way to save money and buy a house as well. In this article, estate agents Loveitts, share tips on how to save for your first home, how to get a deposit and what other costs might be involved when you begin to climb the property ladder.

 

How to save for your first house