Centenary Quay,Woolston

Featured PropertyThe Citrus Building

Purchaser StoryLiane & Mark

WANT.ITKing’s Gate

brought to you by Help to Buy South

COMING SOONView the latest properties coming to your area

Pages 4 & 5

WE’VE WELCOMED 2,723 VISITORS TO OUR SHOWS THIS YEAR!

Autumn 2014 - edition 2

Read Liane & Mark’s story on page 32

WELCOME // Autumn edition

02 |

WelcomeWelcome to My Perfect Place, Help to Buy South’s quarterly magazine for our applicants and aspiring home owners.

My Perfect Place will be issued four times a year, with articles on scheme updates, how the schemes such as Shared Ownership and Help to Buy Equity Loan work, news and events in the area, as well as feature property listings. We’ll even try and squeeze in a few Seasonal articles about what’s happening around this time of year and some homely features too, such as decorating ideas. In this edition, find out how our Autumn Help to Buy roadshow went, where to see the best firework displays this Bonfire Night and saving tips to get your deposit looking healthy.

We’ve also got lots of feature property listings for you to take a look at, including Hampshire’s first garden city in Berewood with its two, three & four bedroom family homes, to one bed apartments in Salisbury and Southampton. We hope you enjoy reading this edition!

Jo ShortMarketing Team Leader

All property listings found in My Perfect Place magazine are the responsibility of the individual Housing Associations or Developers advertising the specific homes and developments. Details given on specific listings, feature properties and Want.It. features are not the responsibility of Help to Buy South. Some images are stock photos and/or CGIs and are representative of the homes.

hello and

In thisedition...The ultimate guides to the Help to Buy schemes, including:

Shared OwnershipHelp to Buy Equity LoanRent to Buy

Want to know how the schemes really work? Read real life purchaser stories

Feature property listings

FAQ’s

Money Saving Tips

Useful links

and more!

WELCOME // Autumn edition

| 03

Each show featured an array of exhibitors, including housebuilders and housing associations providing information on properties available or coming up through the Help to Buy Equity Loan, Shared Ownership and Rent to Buy schemes. We also hosted local solicitors firms and independent financial advisors who were on hand to offer free advice, as well as money saving experts, uSwitch, and local Councils. Last but not least the Help to Buy South team and search pod were available to visitors, helping them to look for their new home, as well as answering all of your questions about the application process and how the schemes work. The feedback from all the shows was outstanding and we hope everybody who came to a show benefited from the information they gained.

Help to Buy South

AutumnRoad-showThroughout September and October Help to Buy South hosted Help to Buy shows across our geography in Hampshire, Wiltshire, Berkshire, Gloucestershire, Oxfordshire and Bristol, and we are very pleased to report that we’ve welcomed over 2,700 visitors to seven shows!

THE FEEDBACK FROM ALL

SHOWS WAS OUTSTANDING!

04 |

WELCOME // Summer editionNEWS // Help to Buy South Autumn Road-show

WE’VE WELCOMED OVER 2,700 VISITORSTO SEVEN SHOWS!

If you missed out on these shows, don’t fret, they’re back in the Spring!

We are holding another roadshow of events in March/April 2015 to help more potential buyers find their perfect home and get all of the advice they need in one place. Keep an eye out on our new dedicated events website, www.helptobuyshow.co.uk, for dates to be published, and don’t forget to download your fast track tickets for in-the-know updates before and after each show!

KEEP AN EYE ON OUR WEBSITE FOR MORE

INFORMATION ON OUR SPRING

EVENTS!

| 05

WELCOME // Summer editionNEWS // Help to Buy South Autumn Road-show

ImagesAll taken from the Hampshire show

ALL OF THIS FOR FREE!

What is Help to Buy

Equity Loan?Launched on 1st April 2013, the scheme enables purchasers to buy a new build property with a 5% deposit and borrow up to 20% of the value of the home from the government as an interest-free loan.* You will need to be able to raise a 75% mortgage to cover the remaining cost of the home.

Who can apply?This scheme is open to both first time buyers and ‘next time’ buyers looking to purchase a new, potentially bigger or more suitably-sized home and move up the property ladder. The home you purchase with the Help to Buy Equity Loan must be your sole and only residence.

You must be able to afford to raise a large enough mortgage to cover 75% of the purchase price, as well as have access to a 5% deposit of the property purchase price.

the guide to

Help to BuyEquity LoanIf you want to buy a new home but are struggling to raise a large deposit, Help to Buy Equity Loan could help.

TopHelp to Buy example

THE GUIDE TO // Help to Buy Equity Loan

06 |

What are the costs involved?As well as your 5% deposit, there will be other standard fees involved such as mortgage arrangement fees, solicitor fees, reservation deposit and stamp duty. Stamp Duty Land Tax rates are currently:

Purchase price of home Stamp duty rate

Up to £125,000 Zero

Over £125,000 to £250,000 1% of full purchase price

Over £250,000 to £500,000 3% of full purchase price

Over £500,000 to £1 million 4% of full purchase price

You may also have monthly or annual service charges, depending on the property you purchase.

*The equity loan is interest free for the first five years, but in the 6th year of ownership, a fee of 1.75% of the market value of your property at the time you purchased is applicable, rising annually by the increase (if any) in the Retail Price Index (RPI) plus 1%. This is applicable if you have not paid back your equity loan by the end of year 5.

Help to Buy Equity Loan is available on new build homes only. Approved developers of the scheme are listed on our website helptobuysouth.co.uk and you will need to contact them directly for further information on what homes they have available.

There are no limitations on the number of bedrooms in the property you purchase. For example, if a single person can afford to purchase a 3 bedroom house, they will not be restricted.

The maximum purchase price for a home purchased with the scheme is £600,000, depending on your affordability.

What homes are available?

THE GUIDE TO // Help to Buy Equity Loan

| 07

THE GUIDE TO // Help to Buy Equity Loan

08 |

What happens when I want to sell my home?

If you have not yet repaid your equity loan when you sell your Help to Buy home, you will repay the equity loan simultaneously. You can sell your home at any time and an independent valuer must decide what it is worth.

Further information on the application and purchasing process, including details about the equity loan can be found on our website.

VISIT THE WEBSITE FOR FURTHER

INFORMATION ON THE SCHEMES

When do I have to paythe equity loan back?

The term of the loan will run for a maximum of 25 years, depending on the term of your mortgage. At the end of this period, the full loan will need to be paid back.

Remember you have borrowed a percentage of the home’s value, so whatever the value of the home at the time you come to pay back (known as ‘redeeming’ your loan) or you sell your home, you will be paying back the percentage borrowed or outstanding. For example:

Home purchased for: £200,00020% equity loan received: £40,000Home now valued at: £220,00020% equity loan to pay back: £44,000

Further information on paying back your equity loan can be found in the Help to Buy Buyer’s Guide.

THE GUIDE TO // Help to Buy Equity Loan

| 09

Looking to get on the property ladder? Shared Ownership might be your answer.

What is Shared Ownership?Shared Ownership is a well respected product that has been helping people into home ownership for the last 30 years. It is tried and tested! Purchasers buy a share ranging between 25% - 75% in a home, paying a low cost rent on the remaining share they do not purchase.

It can often be an affordable alternative to renting or buying on the open market, and unlike purchasing on the open market, you don’t need to raise a deposit based on 100% value of the property, just for the share that you are purchasing.

RightNew home owners

Far RightLifestyle image

the guide to

SharedOwnership

READ THE FULL GUIDE ON OUR

WEBSITE

THE GUIDE TO // Shared Ownership

10 |

THE GUIDE TO // Shared Ownership

Who can apply?If you are registered with Help to Buy South, you may already be eligible for Shared Ownership. You must:

•Beafirsttimebuyeroranexistinghomeowner whose household needs have changed but can’t afford to buy another, more suitable home

•Haveahouseholdincomeoflessthan£60,000

•Havesavingsofapproximately£2,500forfees, as well as a deposit if you are buying a home

Applicants will be prioritised for a property as and when they apply for a specific home or development. This is done by the individual Housing Association you are hoping to buy from. Priority will be given to:

•Councilandhousingassociationtenants•Servingmilitarypersonnel•Applicantsgivenahighprioritybythe

Local Authority. For example this may be families, or people living or working in the area

This may vary from development to development, so contact the Housing Association directly for more information when applying.

If you already own your own home, including existing Shared Owners, and you need to purchase a larger home but are unable to because of financial constraints, you may be eligible. In this instance you will need to demonstrate that you are in housing need and have the support of your local authority and/or have sold your home prior to applying.

To apply for a specific Shared Ownership home or development, you must first be registered with your Help to Buy Agent.

What are the costs involved?You will need to be able to raise a mortgage to buy at least the minimum share available, as well as having a mortgage deposit available. This may be 5-10% of the value of the share you are purchasing. However, remember you will be expected to purchase as much of the property that is affordable for you.

Other costs to consider include:

•Reservationfee This will be taken off the total purchase

price•Mortgagearrangementfees This will vary depending on your financial

advisor and mortgage lender•Valuationfee This is a requirement of your mortgage

application•Legalfees You may be given details of recommended solicitors•Monthlyservicecharges Again, these will vary from property to

property

THE GUIDE TO // Shared Ownership

12 |

Who pays for repairs and maintenance?

You will have the full responsibility of repairs and maintenance for your home. This will include annual gas boiler services. However, if you buy a brand new home, the developer may have a period of time during which they will be liable for any defects.

Flat owners will have to carry out repairs inside their flats but are not usually responsible for external and communal areas such as stairways and communal gardens as your service charge will contribute towards this.

Can I buy further shares later on?You may have the option to purchase further shares depending on your lease. This is known as Staircasing. There is no obligation to do this and you can stay forever as a Shared Owner if you like. If you buy further shares, the rent you pay on the share you do not own will go down. A surveyor will normally assess the value of your home based on the market value at that time, so that the value of further shares can be calculated. If house prices increase, you may have to pay more to buy another share than when you originally bought it.

What happens when I want to sell?You can get advice about selling your Shared Ownership home from the Housing Association that dealt with the original purchase. The terms of your lease will specify a nomination period whereby your share can be marketed for sale by the Housing Association you originally purchased through. This means the property can be ‘recycled’, allowing other people in housing need to benefit from affordable home ownership.

Their charge to do this may be cheaper than if you were to sell through an estate agent. The property is resold at the market value of the property at the time of resale. If your Housing Association is unable to find a buyer for your share, it may be possible to sell your home on the open market but you will have to pay the full cost of the estate agent fees yourself.

Standard costs will include a fee for the resales service, a valuation report, an Energy Performance Certificate and solicitors fees.

What homes are available?Homes available to buy on Shared Ownership will be listed on the helptobuy south.co.uk website. They may range from studio apartments to 3 or 4 bedroom houses.

You can apply for a home with one bedroom above your current needs. For example, a single person or couple could apply for a one or two bedroom property, whilst a single parent with a child could apply for a three bedroom home. This will also depend on what you can afford to buy.

Besides brand new homes, you will often see older homes advertised for sale on the same Shared Ownership basis. This is where an existing Shared Owner may decide to sell their home and move on. These are known as Shared Ownership Resales. Other than the age of the home, you will only be able to buy the same sized share or greater than the current owner which may be higher than minimum shares on offer with new build properties.

THE GUIDE TO // Shared Ownership

| 13

the guide to

Rent to BuyIntermediate RentSometimes referred to as discounted rent, there are some new and re-let homes available to rent.

The rents are approximately 20% cheaper than those on the open market, which will enable you to possibly clear any debts or save towards a deposit to buy a home through one of the Help to Buy schemes at a later date.

Rent to BuyWith this scheme, you can save towards a deposit to buy the home you are renting, usually within 3-5 years. If your circumstances have changed and you are no longer able to afford to buy, your landlord may review your tenancy.

Please note that there is no guarantee that your tenancy will be renewed after each of the agreed periods.

Please note there is very limited availability for Rent to Buy homes.

VISIT THE WEBSITE FOR FURTHER

INFORMATION ON THE SCHEMES

THE GUIDE TO // Rent to Buy

14 |

WELCOME // Summer editionTHE GUIDE TO // Rent to Buy

Features include:• Modern fitted kitchen• Carpeted thoughout with vinyl flooring to kitchen & bathroom• Private garden

Brand new Shared Ownership apartments coming to Southampton

Saturday 15th

November10am - 4pmHoliday Inn, Southampton

Inkerman RoadWoolston, Southampton

Reserve on the day and receive an early Christmas present!*

* Terms and Conditions apply. Images show are computer generated and representative of the final finish at Centenary Quay, Woolston and Inkerman Road, Woolston.

Visit Radian’s launch event for free financial advice!radianhomes.co.uk/centenaryquay

Coming soon

Brand new twobedroom houses to buy with Shared Ownershipradianhomes.co.uk/inkermanroad

Register yourinterest today!

call 0800 145 6663 email sales@radianhomes.co.uk Radian | Collins House | Bishopstoke Road | Eastleigh | Hampshire | SO50 6AD

PROPERTY FEATURES• Neutraldecorwithmagnolia

painted walls• Carpetedthroughoutwithvinyl

flooring to bathroom and kitchen• Fullyfitted‘Manhattan’kitchen• Freestandingwasher/dryerincluded• Whitebathroomsuitewithchrome

mixer shower over bath• Fittedwardrobestomasterbedroom• UPVCwindowsanddoors• 12yearNHBCwarranty

Don’t miss out and contact us today to find out more.

bedrooms 1Riverdown ParkPearce Way, Salisbury, Wiltshire SP1

Situated in Bishopdown, on the doorstep of the beautiful countryside surrounding Salisbury, Radian is offering brand new one bedroom apartments for Shared Ownership purchase at Riverdown Park.

With shares available from 35%, you could purchase your very own home for as little as £46,200. That also means a deposit could be just £2,310!

The apartments at this stunning new development are accompanied by picturesque views, whilst being just a 2.5 mile journey away from Salisbury city centre by road.

They are all finished with a neutral decor and carpeted throughout, with vinyl flooring in the brand new fitted kitchens and bathroom suites that come with the properties.

Give us a call or email today if you would like more information, or to arrange a viewing!

Above Homes at Riverdown Park

RightOne bedroom homes at Riverdown Park

DEPOSITS FROM JUST £2,310!

Call: 0800 145 6663Email: sales@radian.co.ukVisit: radianhomes.co.uk/riverdownpark

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FEATURED PROPERTY

Let’s findwhat you’re looking for

Above The Buchanan

BerewoodHampshire’s very first garden city, Berewood is an exciting new community with everything you need on your doorstep. A state of the art primary school has recently opened and coming soon a new health centre, cricket ground and convenience store.

Three and four bedroom family homes are currently available for sale at Berewood, priced from £328,000 (£262,400 under Help to Buy). Committed to delivering the perfect place for families to call home, the new houses have all been carefully designed to fit the needs of modern living, offering open-plan living areas plus high quality fixtures and fittings, alongside generous rear gardens, garages and driveways.

For commuters, the development is ideally situated just a minutes’ drive from the A3, and less than 10 minutes from Bedhampton train station, providing national links via Portsmouth and London Waterloo stations.

Maurepas Way, Waterlooville, Hampshire SP10 7PS

Telephone us on 023 9225 1334 or email berewood@bloorhomes.com

Berewood, Redlands Grange, King’s Gate and Coopers Grange

FEATURED PROPERTY

BUILT UPON HIGH QUALITY AND STANDARDS

18 |

Redlands GrangeNestled within the welcoming community of Emsworth and just a short walk from the village of Westbourne, Redlands Grange promises a whole new way of life.

Redlands Grange offers a stunning selection of 1 bedroom apartments, starting from £173,000 (£138,400 with Help to Buy) and detached 4 bedroom homes, available from £370,000 (£296,000 with Help to Buy).

These stunning homes are built to high specification in an enviable location and offer complete luxury throughout.

The development is ideal for commuters, offering easy access to the M27 and the A27.

Telephone us on 01243 372218 or email redlandsgrange@bloorhomes.com

Above The Shenstone at Emsworth

BelowLifestyle image

FEATURED PROPERTY

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FEATURED PROPERTY

AboveLifestyle image

RightThe Astley atKing’s Gate

King’s GateFollowing the overwhelming success of Bloor Homes’ Archer’s Gate development, we are delighted to introduce King’s Gate, our brand new development in Amesbury.

King’s Gate offers a wonderful collection of three and four bedroom properties starting at £230,000 (£184,000 under Help to Buy). The new houses have been carefully designed to cater for the needs of modern living, with open-plan living areas and spacious bedrooms.

For commuters, the development is conveniently situated just minutes from the A303, offering easy access to Andover, Salisbury and Marlborough, whilst Salisbury rail station offers a direct service to London Waterloo in around 90 minutes.

These wonderful homes are now available to purchase off-plan.

Telephone us on 01980 626775 or emailkingsgate@bloorhomes.com

20 |

WE HAVE CAREFULLY CRAFTED HOMES FOR OVER 50 YEARS

RightThe Bampton

BelowLifestyle image

Coopers Grange A selection of three bedroom homes in the tranquil rural town of Havant on Hampshire’s stunning coast, are now available to purchase at Coopers Grange.

Currently for sale are both the Bampton SP and The Minster offering a spacious lounge, large open plan kitchen/ dining area, utility area and French doors leading to the rear garden. The Bampton SP features three double bedrooms and a study.

With prices starting at £275,000 (£220,000 with Help to buy) your dream home could be closer than you think.

New Lane, Havant, Hampshire, PO9 1AY

Telephone 023 9225 1334 or email us coopergrange@bloorhomes.com

FEATURED PROPERTY

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Centenary Quay, Woolston

Above Lifestyle image

Spectrum Housing Group are pleased to announce the release of the next phase of

one and two bedroom apartments at the brand new development, Centenary Quay, Southampton.

These properties are being offered on a Shared Ownership basis for those who cannot afford to buy on the open market. Shares being offered start at 35% but larger shares can be purchased, subject to affordability. Centenary Quay is located on the eastern bank of the River Itchen in the suburb of Woolston, Southampton. This brand new development will bring together residential and commercial properties, making it a perfect location where people can live, work and relax. The state of the art marine quarter will complete the look of the new complex. There is plenty on offer at Centenary Quay with a library, a nursery/Crèche and a public square. With so many different features on offer there really is something for everyone to enjoy at this exciting regeneration project.

Crest Nicholson have built this large site which will consist of a number of other private homes as well as a mixture of Affordable Rent, Intermediate Rent and

Shared Ownership homes. The properties being offered by Spectrum Housing Group have been built to a high standard, with fixtures and fittings being of excellent quality.

Prices starting from only £43,750 for 35% share plus monthly rent and service charge. Contact us to find out about our great offers and application pack today!

YOU CAN BUY this property from as little, as £497.00pcm**!!!!

(**Based on 1 bed apartment - figure may vary

subject to mortgage availability and deposit held)

1 & 2 bedroom apartments in Woolston, Southampton

FEATURED PROPERTY

22 |

Above Centenary Quay street view

These homes come with Spectrum’s unique Smart-Start Plus package* which will give you:

• A gift of 3% towards your deposit – a minimum of £1,312.50 depending on the share price

• MortgageandRentpaymentprotectionif you stop working through sickness or redundancy – we will pay this for you for the first 2 years

• Protectionagainstfallingpropertyvalues– when selling after 5 years, we will give you more shares if your share has gone down in value

*Terms, limits and conditions apply to these offers -

please contact us for details.

HOMES COME WITH SPECTRUM’S UNIQUE SMART-START PLUS PACKAGE*

FEATURED PROPERTY

| 23

£2,000CASHBACK^

PRICES STARTING FROM ONLY £43,750 FOR A 35% SHARE

FEATURED PROPERTY

LeftStreet view at Centenary Quay

MiddleLifestyle image

RightLifestyle image

Centenary Quay, Woolston, Southampton SO19 9UB

Specification• Rangeofkitchenunits,including

worktops, floor units, eye level cupboards, built- in hob and oven and washer dryer

• Allocatedparkingspace

•Whitebathroomsuitewithshower over bath

• Carpetprovidedinallnon-slipareas

• Vinylflooringinkitchenandbathroom

• Smokealarm

• TelephoneandTVaerialpoints

• 12YearNHBCstructuralwarranty

For more information Telephone us on 0800 316 3316 or email get.move-in@spectrumhousing.co.uk

www.getmove-in.com

FEATURED PROPERTY

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PROPERTY FEATURES• Fullyfittedkitchenwithintegrated

fridge / freezer and dishwasher• Highspecificationthroughout• Openplanlivingspace• Largewindows• Spaciousbalconies/terraces

on selected apartments• Gateddevelopmentwithsecurebike

store, and parking to some apartments• Laminateflooringtolivingareas

and carpets to bedrooms• LocatedintheheartofBournemouth

Details and pricing correct at time of print, October 2014.

bedrooms 321The Citrus Building24 Madeira Road, Bournemouth BH1 1AR

The Citrus Building, an iconic development in the heart of the town offering a mix of studio, 1, 2, and 3 bedroom apartments is breathing new life into the heart of Bournemouth.

With architectural design and insightful construction high on the agenda, this carefully considered building is not just a place to live, but with it’s own café culture, is somewhere that takes on a whole life of its own.

All our apartments benefit from a high specification as shown above. Our Sales and Marketing Suite is open Thursday to Monday 10am to 5pm - contact our sales advisor today.

Above CGI of The Citrus Building

RightExample showhomes

SELLING FAST WITH OVER 50% SOLD

Call: 01628 482276Email: citrusbuilding@stubbingsltd.co.ukVisit: www.thecitrusbuilding.co.uk

26 |

FEATURED PROPERTY

*Help to Buy scheme is available on selected properties in England, on homes up to £600,000. Subject to terms and conditions. Lovell cannot advise you on a mortgage. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY DEBT SECURED ON IT. Full details available on request.

/lovellhomes@lovell_ukAvailable on the iPad

Search ‘Lovell Homes’

With the Government-backed Help to Buy scheme, you could buy a brand new Lovell home with only a 5% deposit!*

Book an appointment today.

CGI of plots 47-50, Old Common Mews, Minchinhampton

Mayflower Mews exterior

Old Common Mews Minchinhampton, Stroud GL6 9EW

A development of 2, 3 and 4 bedroom homes

Open Thurs to Sun 10am - 5pm and Mon 11am - 5pm

Tel: 01453 557 492

Mayflower Mews Sholing, Southampton SO19 9JA

A development of 3 bed homes and 1 & 2 bed apartments

Open Tues to Sun 10am - 5pm and Mon 11am - 5pm

Tel: 02380 082 646

Help to Buy availableat Old Common Mews and Mayflower Mews

*

lovellnewhomes.co.uk

PROPERTY FEATURES• FullyIntegratedkitchen

appliances to all homes

• Turftoreargarden

• Allocatedparkingtoallapartments

• Showhomesopendailyfrom

10am – 5pm (4pm Friday)

• Villagelocation

Details and pricing correct at time of print, October 2014.

bedrooms 3 421The Old BreweryGales Brewery, Horndean PO8 0DA

The Old Brewery – Where all inclusive comes as standard!The Old Brewery comprises of 1 & 2 bedroom apartments and 2, 3 & 4 bedroom homes in a village location. No matter what you aspire to in your ideal home, you’ll find it beautifully delivered both inside and outside at The Old Brewery.

At Horndean’s beating heart you’ll find a thriving centre which offers you all the day to day essentials from supermarkets, post office, newsagent, delicatessen and bakers to a selection of warm welcoming pubs and restaurants. Of course, if you prefer your retail, entertainment and leisure facilities on a grander scale, look no further than nearby Waterlooville, Havant, Fareham and Chichester.

Above CGI of The Old Brewery, Horndean

RightLifestyle images

HOMES IN A VILLAGE LOCATION - SELLING FAST!

Call: 02392 592534Email: theoldbrewery@lindenhomes.co.ukVisit: lindenhomes.co.uk

28 |

FEATURED PROPERTY

lindenhomes.co.uk

For development opening times visit

• Discover our stunning new Show Homes – and be prepared to be impressed

• Superb homes and apartments ready to move into

• Buy with 5% with Help to Buy*, or sell to us in Part Exchange† for a money saving move

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBT SECURED ON IT. Photographs show typical Linden homes. Interiors may include optional upgrades or extras available at additional cost. Credit is secured against your home. *Subject to status, Help to Buy Terms & Conditions and available on selected properties in England only. Eligible applicants will be o� ered an equity loan up to a maximum of 20% of the purchase price (based on the open market value). Applicants are required to fund at least 80% of the purchase price by means of a conventional mortgage, savings/deposit where required. The equity loan is provided by the HCA and held as a second charge. This o� er is not available in conjunction with any other promotion. Full details will be provided on request. †On selected homes only, subject to scheme rules, terms and conditions apply. Not in conjunction with any other o� er. Prices and details correct at time of going to press.

We’ve got Hampshire covered

HORNDEANThe Old BreweryLondon Road PO8 0DA2 bedroom apartments from £197,0003 & 4 bedroom homes from £289,995

0844 488 1260WATERLOOVILLE St Michael’s PlaceVilla Gardens PO7 7SR3 & 4 bedroom homes from £265,000

0844 417 8497SARISBURY GREENNightingale ParkBrook Lane SO31 7DP2, 3 & 4 bedroom homes from £265,0000844 644 1587

HampshireFireworksSpectacularRockLegendsBeaulieuMotorMuseum

1st November15:00 – 21:30

Ticket Prices (Advance):Adult £12.00Child £8.00 (5 – 17 years, children under 5 go free)

Family £34.00 (1 adult & 4 children or 2 adults & 3 children) (£1 handling charge per order in person or by phone)

Fireworks PartyThe Ageas Bowl

7th NovemberGates open at 18:00 with fireworks at 20:00

Ticket Prices (Advance): Adult £8.00Child £6.00 (5 – 17 years, children under 5 go free)

Family £22.00 (2 adults & 2 children)

Fireworks NightRoyalVictoriaCountryPark

8th NovemberGates open at 18:00 with fireworks at 19:30

Ticket Prices (Advance):Adult £5.00Child £3.00

Fireworks & Fairylights 2014SouthseaChristmasLightsSwitchOnPalmerstonRoad,ShoppingPrecinct13th November16:00 – 18:00

Free Admission

Remember, remember

the 5th ofNovemberPlanning on watching a fireworks display this November but not sure where to go? We’ve gathered the details of the top displays in your area so you don’t have to search for them.

WiltshireRotarySpireworks2014SouthernCountiesLivestockMarket

1st November18:00

Ticket Prices (Advance):Adult £8.00 (1 child free with each adult)

Child £4.00 (4 – 17, children under 4 go free)

Bristol, Bath & NE SomersetBristol Fireworks FiestaCanford Park8th NovemberGates open at 18:00 with fireworks at 19:00

Tickets are £4 in advance or £5.00 on the gate with children under 3 going free

BathRotaryClubFireworksDisplayTheRecreationGround(The‘Rec’)

8th NovemberGates open at 18:00 with fireworks at 19:30

Ticket Prices (Advance):Adult £5.00Child £3.00 (4 – 16 years)

GloucestershireFireworksDisplayCheltenhamRacecourse

8th NovemberGates open at 17:00 with fireworks at 19:00

OxfordshireAnnualBonfire&FireworkDisplayKinecroft Wallingford

1st November18:00

BerkshireFirework Spectacular Family RacedayAscotRacecourse

1st NovemberGates open at 10:45 with fireworks at 18:00

Ticket Prices: Grandstand £20.00Premier £30.00Children under 18 go free

Bonfire and Fireworks NightBeaumont Estate

8th NovemberGrounds open at 18:30 with fireworks at 20:00

WELCOME // Summer editionEVENTS // Help to Buy South

30 |

WHY NOT POP DOWN TO

YOUR LOCAL FIREWORKS

NIGHT?

Station Road, Calne, Wiltshire, SN11 0JS 2, 3 and 4 bed traditionally builthomes available from £119,950 • Just a short walk from the bustling

Calne town centre• From award-winning developers

Hills Homes

Show home open 10.00am – 4.00pmThursday to Monday inclusive(closed Tuesday & Wednesday)

Tel: 01249 813813

www.atwellmartin.co.ukYour home may be repossessed if you do not keep uprepayments on a mortgage or any other debt secured on it.

Station Meadows Calne

Show home now open

HillsAd_MyPerfectPlace_Layout 1 07/10/2014 14:47 Page 1

DON’T MISS OUT ON HELP TO BUY

STUDIO, 1, 2 & 3 BEDROOM APARTMENTS FROM £125,000Show Home open Thursday to Monday 10am – 5pmCall Stubbings Property Marketing 01628 482276

The studios and apartments, some with a sunny balcony, feature state-of-the-art design and specification, including fabulous fitted kitchens and contemporary bathrooms – as you’d expect in this prime location.

The Citrus Building is right at the heart of all that’s best about Bournemouth – the shops, the restaurants, the Gardens, the beach, the great road and rail links – it’s all waiting for you here. Don’t miss out.

FINAL STUDIO APARTMENT REMAINING

All you need to buy a stunning new 2 bedroom apartment, with en suite and family bathroom, is a deposit from just £11,100 with Help to Buy.*

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBT SECURED ON IT. *Subject to status, Help to Buy Terms & Conditions and available on selected properties only. Eligible applicants will be offered an equity loan up to a maximum of 20% of the purchase price (based on the open market value). Applicants are required to fund at least 80% of the purchase price by means of a conventional mortgage, savings/deposit where required. The equity loan is provided by the HCA and held as a second charge. This offer is not available in conjunction with any other promotion. Full details will be provided on request. Computer generated images for illustrative purposes only. Details correct at time of going to press.

BOURNEMOUTH | MADEIR A ROAD BH1 1AR

@citrusbuildingthecitrusbuilding.co.uk 01628 482276 citrusbuilding

A Proud Partnership between Bournemouth Borough Council & Morgan Sindall Investments

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Now 50% sold!

Liane Howe and her partner Mike Clevely had been renting privately but were desperate to get on the property ladder, and, with a baby on the way, wanted the security of their own family home. When they heard about Shared Ownership through Sovereign Living their search was over and have now settled into their own two-bedroom property at Priors Lea in Paulton, Somerset.

Having previously privately rented in nearby Midsomer Norton, the couple were well aware of the beautiful location the development had to offer, but were conscious that renting didn’t give them a permanent home. Being close to their families was important to them, and with Liane’s mum living only five minutes away and working in the next village, they really have found a perfect setting for their family home. “We’re closer to family and we’re also really lucky with the neighbours; it’s a really friendly atmosphere” said Liane.

Liane has already recommended Shared Ownership to her brother who

is keen to buy his own property after seeing that the whole process was really quick and easy for the new family. “I’d recommend it to anyone. It was perfect for us to get on the housing ladder as we wouldn’t be able to any other way. We loved our home immediately.”

SovereignLivingnowhavea selection of one and two-bedroom apartments availableatPriorsLea,Paulton, and will have further two and three-bedroom homes available in 2015. Contact their Sales Team on 0300 300 0718 orliving@sovereign.org.uk. Detailsarealsoavailableonsovereignliving.org.uk

Liane Howe & Mark ClevelyPaulton, Somerset

Previous situation:Privately renting

Scheme: Shared Ownership

Sovereign Living

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CASE STUDY // Liane Howe & Mark Clevely

HELP TO BUY The Help to Buy scheme was launched in April 2013 and assists buyers purchasing new homes from developers. Under the scheme up to 20% of a property’s value can be loaned, up to a maximum property price of £600,000. The scheme is funded by ‘Home and Communities Agency’ or ‘HCA’.

To be eligible for the scheme applicants must meet the following criteria:

You must be at least 18 years old

You will normally require at least a 5% deposit of the full purchase price

You must take out a mortgage which will need to be for 25% or more of the full purchase price

If a home owner already you must have sold your current home before or at the point of completion on your Help to Buy home

You must be able to prove you can afford the mortgage repayments and other outgoings on the home you wish to buy. There is a standard Homes and Communities affordability calculator which will determine whether the property is sustainable long term.

And please note:

There is no maximum household income level

You cannot rent out your existing property to buy a second home through Help to Buy

Part Exchange is not available through this scheme If you meet these criteria you can then:

Please make sure your conveyancer fully understands the Help to Buy Scheme, its requirements and all that is involved. The legal team at Eric Robinson Solicitors fully understand and have experience in dealing with Help to Buy purchases and will:

Check the legal title of your property

Report on the terms of your mortgage

Guide you through Help to Buy

Clarify all the implications of the scheme And remember Help to Buy isn't just for new homes

A scheme was launched in 2014 for resale properties. These tend to be less complicated than for new properties but follow the same steps as for new build properties.

Contact the team on 023 8022 6891 or email enquiries@ericrobinson.co.uk or visit the website for more details:

www.ericrobinson.co.uk

Find the home you want

Get financial advice Speak to your local Home Buy Agent

Choose a Conveyancer

Eric Robinson Solicitors helping YOU to buy

GREAT REASONS TO BUY WITH BARRATT

Image includes optional upgrades at additional cost

*Our 5 Year Warranty is available on virtually all of our developments and properties. Please speak to one of our Sales Advisers for further details. The warranty extends the purchaser’s 2 year NHBC non-structuralBuildmark Policy or Zurich Standard 10 Policy to 5 years. Terms and conditions apply. See website for full details of what is included and excluded under this Warranty. Your statutory rights are unaffected. Image includesoptional extras at additional costs. Prices correct at time of going to press.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER LOAN SECURED ON IT.

■ Awarded 5 Star status for customer satisfaction

■ Free 5 Year Warranty* on almost everything we fit as standard

■ Energy efficient for lower running costs

■ Fantastic options to personalise your home

0844 811 1855barratthomes.co.uk

The Orchards, Meerbrook Way, Hardwicke, Gloucestershire GL2 4UE2, 3 & 4 bedroom homes

Dove Hill, Ebley RoadStonehouse, Stroud GL10 2LQ4 bedroom detached homes

COMING SOON- Whittington ParkLongford Lane, Longford GL2 9BX1, 2, 3, 4 & 5 bedroom homes

FIND THE PERFECT HOME IN GLOUCESTERSHIRE

Wioleta Drozdzik, 29, lives at Compass Point development in Maybush, Southampton.

She works as an administrator in the NHS and has recently moved into her new shared ownership home.

Owning a home was a dream for Wioleta. She had been living in a rented flat with 2 friends but was looking for something of her own to call home because she wanted more privacy.

Wioleta found out about her shared ownership property through the Help to Buy show with Help to Buy South. She then went to a meeting at St Mary’s stadium to find out more.

She fell in love with the property and knew she had to have it.

It was owned by Get Move-in – the Shared Ownership division of Spectrum Housing Group.

They gave her an information pack which was easy to understand and set out what she needed to do to get the

property she hoped to move in to.

The flat hadn’t been built at the time but it was only 8 months from her first meeting until she was moving in.

It was an easy process, helped even more by access to Smart-Start which gave her 3% help with her deposit and mortgage and rent payment protection. The Smart-Start was influential in her decision to purchase a home.

Wioleta is loving her new home and says

WioletaDrozdzikMaybush, Southampton

Previous situation:Privately renting

Scheme: Shared Ownership

Spectrum Housing Group

“ “

It’s a good way to buy a flat if you have a low income. It has given me privacy and independence.

CASE STUDY // Wioleta Drozdzik

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Now, at Help to Buy South, we understand that saving towards your deposit can be a challenge at times; we’re got a few first time buyers and aspiring home owners in our team too! Paying private rent, monthly bills, or even just being able to celebrate a friends birthday can hinder your good intentions to save £200, £50 or whatever you can each month. That’s why we’ve produced a free Budget Planner, available for anyone to download from our website.

Just a few...

saving tipsOne of the most asked questions at our events, is “how much deposit will I need to save to buy a home?”. The great thing about Shared Ownership, newbuild or a ‘resale’, and Help to Buy Equity Loan schemes, is that there are several mortgage lenders that will only require you to have just a 5% deposit; for some purchasers, that could mean as little as £3,000 to get on the property ladder.

WELCOME // Summer editionHELP & ADVICE // Saving tips

OUR BUDGET PLANNER WON’T TAKE LONG TO COMPLETE, BUT IT WILL DEFINITELY BE 10 MINUTES WELL SPENT!

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It may not sound that exciting but once you realise what you are spending your hard earned money on you may pull in those purse strings. Set yourself a monthly or weekly spend budget for the treats you need but without going overboard, this approach allows you to save for your dream home as well as have cash in your pocket for the things you want. Use our BUDGETPLANNERto work out what you spend and how you could save more.

WELCOME // Summer editionHELP & ADVICE // Saving tips

KEEP TO A BUDGET

SWITCHENERGY SUPPLIER

CHRISTMASIS COMING

You could potentially save £100’s by switching and with winter fast approaching now is the time to get yourself a better deal. Use the Money Saving Experts Cheap Energy Club to find a better deal, just enter your current tariff details and usage and MSE does the rest, http://www.moneysavingexpert.com/cheapenergyclub. They even monitor your tariff and usage in the background and notify you if a better deal becomes available.

We can’t deny it, Christmas is on the way, in-fact it’s only 8 weeks away! Instead of fretting about how much money it’s all going to cost you whilst you’re trying to save why not have a ‘hand-made Christmas’. Treat your family and friends to hand made and personalised gifts this year, that way you can really put some thought into it whilst saving the pounds!

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SharedOwnershipandIntermediateRent:

Once you have registered with Help to Buy South you can find out more information on how the schemes work and what to do next by reading our What Happens Next Guide and Steps to Help to Buy. Once your application has been approved as eligible for the Shared Ownership or Intermediate Rent schemes by Help to Buy South, you will then be able to start looking and applying for properties available from housing associations and developers.

The available homes will be listed on our website, helptobuysouth.co.uk so remember to regularly check the site for new listings or updates in your areas of interest. If you see a property you’d like to find out more about, contact the organisation selling or letting the home; their details will be on the property listing on the website.

HelptoBuyEquityLoan:

If you are interested in the Help to Buy Equity Loan scheme, you do not need to register with Help to Buy South.

Typically, you may want to visit the site you’re interested in first. Their sales teams will be able to show you the plots or homes available, as well as put you in touch with a recommended independent financial advisor (IFA). The IFA will be able to carry out the required assessment, for free, and pass this information on to our Programmes Team at Help to Buy South who will check your eligibility for the scheme, if the property will be affordable for you, and then start to process your application. You’ll also need to complete a Property Information Form (PIF) and a Reservation Form, but all this is available to download on our website or directly from the developer/sales team.

For more information, please click here for the Help to Buy - EquityLoanprocessandpropertiescurrentlyavailable.

Have a question?

FAQ’sWHAT HAPPENS AFTER I’VE REGISTERED WITH HELP TO BUY SOUTH?

OUR DEDICATED CUSTOMER SERVICE CENTRE IS HERE TO

ANSWER QUESTIONS YOU MAY HAVE

IT REALLY CAN BE AS SIMPLE AS THAT!

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WELCOME // Summer editionHELP & ADVICE // FAQs

FOR MORE ANSWERS TO FREQUENTLY ASKED

QUESTIONS VISIT OUR WEBSITE:

www.helptobuysouth.co.uk

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WELCOME // Summer editionHELP & ADVICE // FAQs

WHAT IF I DON’T WANT TO BUY A NEW-BUILD PROPERTY?

ARE THERE LIMITATIONS ON THE TYPE OF PROPERTY I CAN PURCHASE?

The Government have launched Help to Buy Mortgage Guarantee for people who would like to purchase an older property. This is essentially a 95% mortgage offer. Help to Buy South do not administer applications for this scheme, so you will need to go direct to a bank or lender and ask about this product. Here are some lenders who offer Mortgage Guarantee: Halifax, HSBC, Natwest, Lloyds, Barclays. For a full list visit herewww.helptobuy.org.uk.

If you are looking to purchase through the Shared Ownership scheme then you can apply for properties with one bedroom above your current needs, for example a single person or couple can apply for properties with a maximum of two bedrooms, a single parent with one child could apply for properties with a maximum of three bedrooms.

The Help to Buy Equity Loan scheme doesn’t have a restriction on the size of the property you can purchase. The property must be below £600,000 and the mortgage can not exceed 4.5 times your income.

Being offered a property will be subject to your individual affordability and eligibility.

Linksuseful

Help to Buy South0845 604 11 22info@helptobuysouth.co.ukwww.helptobuysouth.co.ukwww.helptobuyshow.co.uk

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USEFUL LINKS // Autumn edition

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