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This is a free sample of Homefocus issue "Homefocus May 2014" Download full version from: Apple App Store: https://itunes.apple.com/us/app/id968731232?mt=8&at=1l3v4mh Google Play Store: https://play.google.com/store/apps/details?id=com.presspadapp.homefocus Magazine Description: Designed to help you get to know and understand the more affordable ways to getting onto the housing ladder. Shared ownership and Help to Buy properties. Renting can cost more each month than buying. Improving your credit rating helps you get the best possible mortgage. Case history examples – you can be a homeowner! Covering; shared ownership, low cost home ownership, affordable home ownership, help to buy, estate agent. You can build your own iPad and Android app at http://presspadapp.com
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AT T R A C T I V E , A C C E S S I B L E , A F F O R D A B L E H O M E S
WAYS TO HELP YOU BUY
Help to Buy and Shared ownership
Buy your way out of renting and into a home of your own
KEEP CALM
ANDBUY AHOME
TOMMY WALSH‘Where you live needs to be a home first and a house second!’
‘We wanted to upgrade to a larger home’ says Jack
TV Personality
MADE MORE AFFORDABLE
INNOVATIVE DIGITAL MEASURING GADGETS
FROM BOSCH
MAY/JUNE 2014
WIN
KEEP CALM AND THEN CARRY ONLike most arguments, the question of whether or not it’s a good time to buy a home depends on where you start from. If you need confidence to go forward then just read one of the many headlines that scream ‘biggest house price surge for a decade!’ Can there be a better time to be a homeowner? There’s little chance of getting into negative equity and you can build some quick equity that’ll make you feel wealthy. If you want a good reason to hold off getting on the ladder right now, try ‘biggest house price surge for a decade!’ and ask yourself, how can you afford it and even if you can, what will happen when interest rates start to rise?
So at homefocus, we’re not going to try to tell you what’s right, but rather, we suggest you take a cool look at both sides. Sort of ‘keep calm before carrying on’.
In a recent survey, the Money Advice Service (MAS – you’ve probably seen their ads on the telly) said that the majority of first time buyers had overstretched themselves. That one in five first time buyers regret not buying somewhere cheaper. Over half find the running cost of their first home more than they expected. And a huge proportion decided to buy a house without a full understanding of the true costs involved. Removal fees, legal costs, stamp duty, service charges and ground rent, on-going maintenance and repairs and utility costs all came up as ‘forgotten about’ in the survey.
Now we’re not reporting this to keep you awake at night. Rather, to remind you that if you decide that shared ownership is your route to homeownership, then you’ll have someone there to help you ‘keep calm’, a cool, dispassionate view on what you can afford. Remember, unlike buying in the private market, the housing association that works with you has an interest and a duty to make sure that your property is affordable in the long term. And that means checking your finances with you.
We can’t tell you if you should be pleased or worried about rising prices, but we can tell you that if shared ownership is your chosen route to getting your own front door, then the hoops you’ll be asked to jump through will make it less likely that you’ll be another of those who ticked the overstretched box.
Happy home hunting
Jeffrey Gritzman • Publisher
ISSN No 1470-0360
ADVISORY PANELMaddie Cross LONDON BOROUGH OF BEXLEY
Gail Davies GD CONSULTANCY
Dave Evans BE CREATIVE LONDON Tony Harknell GENESIS HOMES
Dave Lakin GRAND UNION HOUSING GROUP John McManus GLA
Yvette Ruggins AFFINITY SUTTON GROUP
Isabel Saville CONCORDIA HOUSING CONSULTANCY
Simon Scott ORIGIN HOUSING
Sharon Shaw EAST THAMES GROUP
Jo Short HOMES IN HANTS
Paul Stagnell-Howe STAGNELL FOX
Richard Stone PROGRESS HOUSING SOLUTIONS
Andrew Theoff DIRECTION LAW
Helen Towner HOMES AND COMMUNITIES AGENCY
Greg Warner-Harris SPECTRUM HOUSING GROUP
Chris Winfield LONDON BOROUGH OF BRENT
EDITORAlex Randell
e-mail: [email protected]
SUBSCRIPTIONS & GENERAL ENQUIRIESJulie Baugh Tel: 01622 772407
e-mail: [email protected]
PUBLISHER Jeffrey Gritzman Tel: 01622 772407
e-mail: [email protected]
PUBLISHED BYGraid Publications, Kent House, Romney Place
Maidstone, Kent ME15 6LHTel: 01622 772407
DESIGN & PRODUCTIONJohn Eldridge Design Associates
Website: www.homefocus.co.uk
www.facebook.com/homefocus
www.twitter.com/homefocus
homefocus
Supports the aims of homefocus
Publisher’sComment
Affordable homesin fantastic locations
Call our sales team now to find out more on
0845 606 1221or email: [email protected]
Hyde New Homes properties are also available inBuckinghamshire • Cambridgeshire • East & West SussexEssex • Hampshire • Isle of Wight • Kent • Surrey
Hyde New Homes makes the experience of buying your first home easy with new properties available for sale throughthe Shared Ownership scheme. It’s simple, you buy a share of the property and pay a subsidised rent on the remainder.
Clock Tower Court
1 & 2 bedroom apartments for sale throughthe Shared Ownership scheme.Prices start from £72,000 for a 45% share.
Bond Central
Canal Walk, Southampton, SO14 3BH
1 bedroom apartment in Southampton availablefor sale through the Shared Ownership scheme.Prices start from £33,000 for a 30% share.
Kings Highway, Plumstead SE18
1, 2 and 3 bedroom apartments and 3 bedroom housesfor sale through the Shared Ownership scheme.Prices start from £72,000Contact us now to register your interest.
Super B
Terms and conditions apply. Hyde New Homes is part of The Hyde Group. Prices correct at time of going to print.
Kings Highway
Hawthorn Close
(Indicative interior)
The Croft
The Croft, Cocking, West Sussex GU29
AVAILABLE
NOW
Albion Road, Bexleyheath DA6
2 bedroom houses and 2 bedroom apartments forsale through the Shared Ownership scheme.Prices start from £74,000 for a 40% share.
New England Square, Brighton BN1
1, 2 and 3 bedroom apartments available for salethrough the Shared Ownership scheme.Prices to be confirmed.Contact us now to register your interest.
Piggery Hall Lane, West Wittering PO20
2 bedroom homes available for sale through theShared Ownership scheme.Prices start from £84,000 for a 40% share.
COMING
SOONLA
ST HOME
AVAILABLE
LAST H
OME
AVAILABLE
LAUNCHIN
G
MAYCOMIN
G
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homefocus • MAY/JUNE 2014 3
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Contact us... E-MAIL: [email protected] PHONE: 01622 772407
MAIL: homefocus magazine, Kent House, Romney Place, Maidstone, Kent, ME15 6LH
Lifestyle 36 Love me… don’t love my carHow car clubs help city living
38 All things bright and beautifulA splash of colour transforms a space
42 Food focus A tasty recipe for Salt Cod Fritters plus loads of foodie goodie
Great Advice 44 A mortgage rate rise Be prepared
46 Budget Buster Our most requested guide: it’ll help you get control of your finances
52 Moving checklistWho to tell you’re on your way
Competition 50 Worth over £300 Win a bundle of innovative Bosch measuring tools
homefocus
42
From house hunting
to house warming
3432 25
Hot properties 14 Midlands A selection of shared ownership and Help to Buy homes in the east and west midlands
18 London And some from the London boroughs
22 South A selection in the’ new’ south region as defined by the Homes & Community Agency
26 East & south east Some from the’ new’ east and south east region as defined by the Homes & Community Agency
30 South westAnd a final selection from the south west
Just for you 3 Publisher’s comment House prices are rising again. A good thing or not?
ContentsMAY/JUNE 2014
Buyers’ Guide 6 Keep calm and buy a home Forget the hype and the hyperbole and become a homeowner through low cost home ownership schemes
8 Compare the schemes Find out which scheme suits you best
10 Buy, don’t rent! Does renting make financial sense?
12 Will you find a place on the ladder?Low cost home ownership could help you become a home owner
40 Helping you s-t-r-e-t-c-h Help to Buy helps you buy the house you want
48 Stay or move?The options for buying more shares in your home, or to move on.
Celebrity Status 34 In ConversationWith TV’s DIYer Tommy Walsh
‘I have always said where you live needs to be a home first and a house second’
Where next? Homefinder DirectoriesYour search for an affordable first home can start here or at www.homefocus.co.uk/Low-cost-homes-near-you
54 Introduction
55 Shows and Events
56 Property listings
59 East and south east
61 South west
62 London 64 Midlands 65 South 66 Legal and financial directory
To find out more call:
0845 600 3674 or email: [email protected] www.orbithomes.org.uk Terms and conditions. Percentage shares offered vary by development and are subject to personal financial circumstances. Following a full financial review applicants will be offered the maximum share they can afford. Full details are available from Orbit Homes.
With Help to Buy Shared Ownership
you purchase a share in a brand new
home and pay a subsidised rent on
the part you don’t own.
Orbit Homes has developments of
new homes right across the South
East, Midlands, and East of England.
So whether you’re looking for a one
bedroom apartment, a two bedroom
house or a three bedroom family
home we’re here to help you get
your feet on the property ladder.
Do you need help to buy a new home?
homefocus • MAY/JUNE 2014 54 homefocus • MAY/JUNE 2014
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