Affordable Housing

What is Affordable Housing?

Many people these days cannot afford to get onto the property

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ladder without assistance. I suggest you to check out the Century 21 website and take a look at their properties. Those who are fortunate enough will receive financial assistance from close family members but others will not be so lucky. There is an increasing amount of people that are looking to buy under assisted housing schemes. There are two main types of affordable housing products one is Shared Equity which will be branded according to the details of the scheme, such as London Wide Initiative or First Time Buyers Initiative and the other is Shared Ownership, part rent part buy.

Shared Equity

This is when you purchase a minimum share of a property with a housing association or with a house builder who may offer a builders shared equity scheme. The share of the purchase price is dependent on the terms of that

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particular scheme on offer. The purchaser owns 100% of the property and there is a low cost equity loan on the remaining share, a second charge will be lodged on behalf of the housing association or house builder for the equity loan. The purchaser

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may pay a low rate of interest on the equity loan but usually there is no interest to pay on the remaining percentage for the first 5 years. This is ideal for first time buyers who wish to keep their outgoings to a minimum. Unfortunately these schemes are few and far between and usually the rules of qualification will be based on where you work, live and what your occupation is.

Shared Ownership

This is a part buy part rent scheme and the split is determined by affordability assessed by a Housing Association and Financial Advisor. Most developments who are selling under this scheme will have a minimum share that they will want everyone to buy there may be exceptions made but that will depend on the overall percentage sold on the development to date on that scheme. The Housing Association will generally want you to buy the biggest most affordable share. Buying under an affordable housing scheme is a very lengthy complicated process but Dehavilland are experts in this field and have associatons with some of the leading Housing Associations in London and the South East. We pride ourselves on our knowledge on patio pavers and the service and will be involved from the start of the process right up until completion. We are on the panel of many Housing Assciations and can help you with your financial assessment and mortgage whichever avenue you decide to take. If you have any questions please contact us at enquiries@dehav.com.

Can I get an Affordable Housing Mortgage?

There are only a handful of lenders who will consider lending to purchasers of either a shared ownership or shared equity proposition. The minimum deposit that a lender requires currently is 5% of the share and other lenders may infact want a minimum of 25% of share. This is a specialist market which requires a specialist broker. De Havilland Group Limited specialises in affordable housing mortgages. Speak to one of our specialist consultants who can explain to you the lending requirements for share ownership or shared equity mortgages.