How to make your dream home a reality

We here at Love Living homes are passionate about helping you find your dream home. Whether you’re a first time buyer, looking to upscale or downscale, or even to make an investment, there are a range of routes that are available to help you take the step to your new home.

Discover the route to your dream home

Shared Ownership

When buying a shared ownership property, you can purchase between 25-75% of the market value, depending on how much you can afford, then pay a low monthly rent on the rest of the share. You can buy bigger shares, also known as stair casing, later down the line when you can afford to.

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Outright Purchase

In addition to all the above schemes, there is also the option to obtain a regular mortgage and purchase our properties outright. Click here to see what properties we currently have available for outright purchase.

Read more

Market Rent

In addition to all the above schemes, there is also the option to obtain a regular mortgage and purchase our properties outright. Click here to see what properties we currently have available for outright purchase.

Read more

Shared Ownership

When buying a shared ownership property, you can purchase between 25-75% of the market value, depending on how much you can afford, then pay a low monthly rent on the rest of the share. You can buy bigger shares, also known as stair casing, later down the line when you can afford to.

Read more

Flexibuy

Flexibuy means you can now choose your home based on your wants and needs, rather than based on the tenure available on that property. Your home, buy it your way.

Read more

Intermediate Market Rent

In addition to all the above schemes, there is also the option to obtain a regular mortgage and purchase our properties outright. Click here to see what properties we currently have available for outright purchase.

Read more

Find a way that works for you…

Share OwnerShip

Why Shared Ownership

You can purchase between 25-75% of the market value of the property, depending on how much you can afford. This means that the cost of your mortgage will be significantly less than buying a property outright - making the dream of buying your own home an achievable reality!

Even with a small deposit, you could still benefit from growing equity as you pay your mortgage, if your home increases in value. An increase in your home’s value could benefit you when you come to sell your share.

When you can afford to, you can buy more shares of your home all the way up to 100% - this is known as staircasing. There are some associated costs with staircasing. Click here for more information.

It is a common misconception that with shared ownership properties the same rules apply as renting, in that you can’t decorate or change the way your home looks. In fact, quite the opposite, the only time you will need to seek permission from us is if you want to extend your property. Your home, decorate it your way!

Eligibility

You are eligible to purchase a part rent; part buy property in England or Wales if:

Your household income does not exceed £80,000 per annum for homes outside of London (£90,000 in London)

You have a deposit (at least 5% of the share value)

You are a first-time buyer or used to own a home, but cannot afford to buy outright now

The shared ownership property will be your principle and only home

You have passed a Homes England Affordability calculator, demonstrating you are financially able to purchase the share value and support the monthly costs

You have registered with a Help to Buy Agent

Help to Buy

Why Help to Buy?

You only need a 5% deposit

The Government lends you up to 20% of the value of the property

The loan is interest-free for 5 years, making your dream home more affordable

You then need to secure a 75% mortgage

Eligibility

You are eligible to purchase a part rent; part buy property in England or Wales if:

The home you are looking to purchase must not cost more than £600,000

You must buy this home to live in, and not as a buy to let property

You must not own any other property at the time you buy your new home

The current Help to Buy scheme is available until March 2021, and both existing homeowners and first time buyers can benefits

From 1 April 2021 there will be a new Help to Buy scheme for first time buyers only Find out more here.

Outright Purchase

You can purchase between 25-75% of the market value of the property, depending on how much you can afford. This means that the cost of your mortgage will be significantly less than buying a property outright - making the dream of buying your own home an achievable reality!

Even with a small deposit, you could still benefit from growing equity as you pay your mortgage, if your home increases in value. An increase in your home’s value could benefit you when you come to sell your share.

When you can afford to, you can buy more shares of your home all the way up to 100% - this is known as staircasing. There are some associated costs with staircasing. Click here for more information.

Flexibuy

Why Flexibuy

You can purchase between 25-75% of the market value of the property, depending on how much you can afford. This means that the cost of your mortgage will be significantly less than buying a property outright - making the dream of buying your own home an achievable reality!

Even with a small deposit, you could still benefit from growing equity as you pay your mortgage, if your home increases in value. An increase in your home’s value could benefit you when you come to sell your share.

When you can afford to, you can buy more shares of your home all the way up to 100% - this is known as staircasing. There are some associated costs with staircasing. Click here for more information.

flexibility

Market Rent

You can purchase between 25-75% of the market value of the property, depending on how much you can afford. This means that the cost of your mortgage will be significantly less than buying a property outright - making the dream of buying your own home an achievable reality!

Even with a small deposit, you could still benefit from growing equity as you pay your mortgage, if your home increases in value. An increase in your home’s value could benefit you when you come to sell your share.

When you can afford to, you can buy more shares of your home all the way up to 100% - this is known as staircasing. There are some associated costs with staircasing. Click here for more information.

Intermediate Market Rent

You can purchase between 25-75% of the market value of the property, depending on how much you can afford. This means that the cost of your mortgage will be significantly less than buying a property outright - making the dream of buying your own home an achievable reality!

Even with a small deposit, you could still benefit from growing equity as you pay your mortgage, if your home increases in value. An increase in your home’s value could benefit you when you come to sell your share.

When you can afford to, you can buy more shares of your home all the way up to 100% - this is known as staircasing. There are some associated costs with staircasing. Click here for more information.

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