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Shared Ownership and NewBuy Schemes on the Increase Home Repair Articles | February 13 Womens Clayton Thorson Jersey , 2013
Recent research by lloyds TSB has shown that more and more young people are taking up shared ownership schemes as the only option to get on the housing ladder in more expensive areas such as around London, while in the North of the country more people are participating in the Government backed 95% mortgage schemes. These are encouraging signs for the UK housing market.


According to figures obtained by Lloyds TSB Womens Shareef Miller Jersey , nearly half of all first time house buyers are interested to become involved in a shared equity or a shared ownership scheme, just so they can get on the housing ladder. A quarter of those questioned saw it as the only option to buy a property and the only way they could make the mortgage repayments within their reach or the only way they could afford to live in a particular area.

Shared ownership is a good solution for those looking to get on the property ladder for the first time Womens JJ Arcega-Whiteside Jersey , especially if looking to buy in expensive areas like London, where prices are still rising and property prices are well out of the reach of most buyers.

Shared ownership schemes are not just for first time buyers and young couples but available to hose already on the housing ladder and hoping to upgrade to a larger family home. Many developers are offering these types of schemes. Those looking to get involved in a shared ownership scheme find a housing developer that offers this option Womens Miles Sanders Jersey , choose an apartment or house in one of the participating developments and then buy the share you can afford. You can buy as little as 35% and can increase your ownership share at any time you wish and can afford to do so. You then pay the Government a subsidised rent on the share you do not own. Usually the small mortgage repayments and the subsidised rent together are lower than the rent would be for a similar property if rented privately.

There are certain restrictions on who can apply for the shared ownership scheme. In order to qualify the total income of the household applying must be less than ￡64,300 a year if you are buying a one or two bedroom apartment or ￡77 Womens Andre Dillard Jersey ,200 if you are buying a three bedroom apartment. You should also make sure you have at least ￡3,500 in savings to cover legal and moving costs.

Whilst the shared ownership scheme is popular in the more expensive areas in the UK Womens DeSean Jackson Jersey , in the North East the Government backed NewBuy guarantee scheme has proved particularly popular. This scheme allows people to buy a property with only a 5% deposit. The NewBuy scheme was developed in conjunction between the Council of Mortgage Lenders and the Home Builders Federation and offers 95% mortgages on new-build properties worth up to ￡500,000 for both existing homeowners and first time buyers alike. There has been a steady rise in the number of people applying and buying through the NewBuy scheme which is good news for the housing market.

House buyers in the North have also seen the cost of mortgages decrease slightly as more lenders are allowed access to the Government's Funding for Lending Scheme and thus these lower costings can be passed on to the customers.

The UK housing market remains in difficulties and there are still definite challenges for new house buyers with the availability of mortgages remaining the key problematic area. But it is positive news that the uptake of schemes such as the Government NewBuy scheme and Shared ownership schemes are on the increase.

For anyone interested in new homes for sale either in the UK or new homes in Scotland and would like more information on which developers offer shared ownership schemes then visit the developers' websites to see what incentives and schemes are available.


Are you constantly asking yourself the question “How do I overcome jealousy?” Do you find yourself always worrying on whether your partner is cheating on you? Do not worry because you are certainly not alone in this. Millions of people are feeling jealous whenever they feel a threat to their relationships. The problem is that on some people the jealousy becomes so severe.


Jealousy rears its ugly head whenever you feel that your partner might be taken away by someone else. Whether it is a real concern or not does not matter. If you find yourself constantly worrying about it and it is affecting your relationship Womens Dallas Goedert Jersey , it is time to take a good look at yourself and determine what the underlying problem is.
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