How big a deposit do I need? 

Having a strong deposit is a good way to increase your chances of being accepted for a mortgage. Unless you are using Help to Buy, you will usually need to have saved up at least 10% of your home’s value before you can make an application. The amount you need to save will depend on a number of factors, with the main one being the price of the home you want to buy. Take a look at our mortgage calculator to see for yourself how the size of your deposit can affect how much you’re paying for your mortgage each month.

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Buy a 50 - 75% share of your new home
with Home Reach

We work with heylo, one of the UK’s largest home ownership programmes, to offer a part-buy-part-rent option that helps you to buy your new home sooner rather than later. With Home Reach, you buy 50- 75% share of your new home now, and pay a small monthly rental fee on the remaining percentage of your home until you are ready to own the full 100%.

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We'll buy your current home so you can relax and enjoy buying your new one.

Our Part Exchange scheme means we could buy your current home, leaving you free to purchase one of our new homes.

• Part exchanging your home means there is no chain, making the sale much simpler.
• You will save significantly on estate agent fees associated with selling your current home. 
• You will need to choose one of our new homes that is ready to complete within two months of your reservation.
• You will need to choose a new home that is worth 30% more than your current home.
• You cannot use the Help to Buy scheme alongside Part Exchange. 

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Using a mortgage calculator

A mortgage calculator could be a useful tool if you’re unsure how much your monthly mortgage repayments will be when you move into your new home. By inputting key figures, it will automatically calculate your monthly mortgage repayments, giving you a better idea of whether you can afford your dream home.

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Understanding mortgages

Most people will apply for a mortgage to buy their home. You’ll need to think carefully about which product you choose, including everything from the length of the term to whether you take out an interest only or repayment mortgage.Here we explain everything there is to know about mortgages and answer some of the questions you might have as you take steps towards moving into a place of your own. 

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A step-by-step guide to buying your home

We've put together this step-by-step guide to take you through the process so you know what to expect over the coming weeks and months as you move closer to buying your new home.

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What is an Assisted Selling Plan?

If you're looking for more space, or you’ve been struggling to sell your existing home, now could be the perfect time to buy. We offer a bespoke selling plan designed to help homeowners climb the property ladder. We will prepare a personal selling plan to help you to sell your home in the time available between reservation and your new home being ready.

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Legal costs for your new home

There are a number of legal processes that need to be completed before you own your new home. In most cases, there will be charges involved for these services, so we’ve put together a list of some of the costs you’re likely to come across.

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Our step-by-step guide to the legal process of buying a home

As soon as you have reserved your new home, the legal process begins. Each step will need to be fully completed so that by the end of the process, the home is legally yours.

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Understanding Stamp Duty

Stamp Duty, officially known as Stamp Duty Land Tax (SDLT), is a tax that buyers must pay when buying a home valued at more than £125,000 if you’re a current homeowner, or more than £300,000 if you’re a first-time buyer.

This tax covers the cost of the legal registration of your home with the Land Registry. HMRC will send out a certificate to complete this process – and this will not be sent until you have paid your Stamp Duty.

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Insurance for new homeowners

Home insurance is ofen a requirement as part of a mortgage offer, and it is designed to give you peace of mind and financial support when the unexpected happens. There are many different types of home insurance available, so take a look before deciding how much cover you’re likely to need.

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Understanding surveys and valuations

When buying a home, there are procedures in place to ensure it turns out to be everything you hoped it would. Two procedures you are likely to come across are surveys and valuations. There are put in place to reduce any concerns you may have about your new home before you decide to make an offer or place a reservation.

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Budgeting for everyday costs in your new home

When you moving into a new home, there will be a number of expenses to factor into your monthly budget. Some costs will need to be paid for monthly, while you might receive the bill for others on a quarterly or yearly basis. It’s easy to put together a budget, especially if you know how much you will need to pay out and when.

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What to do once you're in your new home

Now you’ve moved into your new home, you’ll need to take some practical steps to make sure everything runs smoothly. With a little preparation, you can make your settling-in period as easy as possible.

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