home focus ATTRACTIVE, ACCESSIBLE, AFFORDABLE HOMES WAYS TO HELP YOU BUY Shared ownership and Help to Buy It’s time to take off on your own FLY THE NEST ANTHEA TURNER ‘I think the saddest thing is property vacant and not being used’ ‘The house is fabulous and it’s changed our lives’ says Sabrina TV personality MADE MORE AFFORDABLE ONE OF SIX £50 NATIONAL GARDEN GIFT VOUCHERS SEPT/OCT 2014 WIN
Homefocus - Homefocus Sept 2014
Apr 07, 2016
This is a free sample of Homefocus issue "Homefocus Sept 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
BUYShared ownership
and Help to Buy
It’s time to take off
on your own
FLY THE
NESTANTHEA TURNER‘I think the saddest thing is property vacant and not being used’
‘The house is fabulous and it’s changed our lives’says Sabrina
TV personality
MADE MORE AFFORDABLE
ONE OF SIX £50 NATIONAL GARDEN
GIFT VOUCHERS
SEPT/OCT 2014
WIN
You’d like a smaller deposit and lower mortgage payments?
Be realistic. But find a way!A short while ago The Times quoted research showing that more homes on sale than ever before, are now unaffordable for first time buyers.
‘The property boom is spreading out of London and the south east with hotspots in York, Exeter, Cambridge, South Lakeland, Herefordshire and Christchuch in Dorset. In more than half of the country fewer than one in ten homes on the market is affordable for a young family trying to buy their first home.’
It’s not the role of homefocus Magazine to consider why the problem exists or how it can be resolved in the longer term, but it is our view that those of you aspiring to become homeowners should be persistent and creative in pursuing your dream. And we hope that the information and the success stories you find on the following pages will inspire and help you to do just that.
At the same time, be realistic! Just a 5% deposit will make it much more likely that you’ll be able to consider the first step onto the ladder. But it will also mean that you’ll need to accept higher monthly mortgage repayments. Buying a share of a shared ownership home will mean paying a rent (albeit subsidised) as well as paying your mortgage. And buying with a flat-mate has implications that could take practical decisions out of your control. You’ll find some differences between buying a share and ‘sharing to buy’ outlined on pages 48 & 49 of the issue. But don’t lose heart. One of the schemes outlined in homefocus might just get you the home you want, in a way you can afford.
Happy home hunting
Jeffrey Gritzman • Publisher
ISSN No 1470-0360
ADVISORY PANELMaddie Cross LONDON BOROUGH OF BEXLEY
Dave Evans BE CREATIVE LONDON Tony Harker 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
Richard Stone CENSEO LTD
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
Building quality new homes and services across London, Essex & Su� olk to enable our customers to build better futures.
PRIVATE SALE - MARKET RENT - SHARED OWNERSHIP
WHO KNEW THERE WAS SO MUCHCHOICE?
At Genesis, we o� er more homes for more people, than ever before, in a wide range of styles, to suit all budgets.
We provide more ways to get the home you want, including shared ownership, open-market renting and outright purchase.
Our new and refurbished homes are exceptionally well designed and
carefully located.
The choice is all yours.
0800 954 0147genesishahomes.org.uk
homefocus • SEPT/OCT 2014 3
homefocus
From house hunting
to house warming
3226 16
Hot properties 12 South A selection of affordable homes in the south region of the country – as defined by the Homes & Communities Agency
16 London Some from the London boroughs
20 Midlands Properties in the east & west midlands
24 South west And some from the south west
28 East & south eastAnd finally, properties in the east & south east
Just for you 3 Publisher’s
comment Be creative and
persistent and become a homeowner
ContentsSEPT/OCT 2014
Buyers’ Guide 8 Fly the nest Now could be the time to branch out on your own
10 Compare the schemesWhich scheme works best for you?
34 Spot the differenceCan you find the differences between a shared ownership and Help to Buy house?
38 Ready to spread your wings?Do some research before going out on your own
44 Be part of something new!Living alone doesn’t mean being alone. Shared ownership for ‘seniors’ means more than an affordable home
46 Buying more sharesYou can start with a share, but then buy more!
Celebrity Status 32 In Conversation withTV’s Anthea Turner
‘I’m a big fan of knocking down walls and making things quite open plan’
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
homefocus • SEPT/OCT 2014 5
Lo nd on
HAMPSHIRE
HERTS
BUCKS
BERKSHIRE
EASTSUSSEX
Southwark
Southampton
Haywards Heath
Yapton
SURREY Croydon
KingstonLewisham
Chichester
Caterham
Cranleigh
IslingtonChiswick
WEST SUSSEXMidhurst
Barnet Kensington
Ealing
BromleyBracknellOrpington
Barnham
GodalmingGuildford
Lewes
Hurstpierpoint
Crawley DownOxted
Hailsham
Eastleigh
Welwyn
GREATER LONDON
Brighton
Hassocks
Fulham
LLLLS
Littlehampton
Your next step:Email [email protected] 100 0303
www.affinitysutton.com
Follow us on Twitter
Join us on Facebook
Location of homes currently available
Fabulous apartments and houses for saleacross London and thesouth east.
Shared ownership: the affordable way to get on the property ladder.
Terms and conditions apply and a mortgage from a 3rd party is required. You will alsoneed to fund stamp duty, legal costs and other costs associated with purchasing a home.Availability of this product is subject to eligibility and affordability assessments and criteria. Your home may be repossessed if you do not keep up with repayments on yourmortgage or rent/service charges. Affinity Sutton is one of the largest affordable housingproviders in England. It is not allowed to sell mortgages or give financial advice. Independent financial advice should be sought. The value of your home can go down as well as up.
*
ONLY
5%*
DEPOSIT
H.Focus SE Map ad.qxp_Layout 1 06/08/2014 15:14 Page 1
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