I Thought It Was A Pipe Dream, Says First-Time Buyer

Posted 19 May 2020 by Keith Osborne

The Lightfoots purchased with Shared Ownership after thinking that they would never be able to buy a home of their own...

One of the first residents to arrive at High Park Grange, a 10-home Onward Living development in Southport, were the Lightfoot family, who after years of renting privately, and following several mortgage setbacks, were beginning to think that they would never be able to own a place of their own.

Gemma and Danny Lightfoot used Shared Ownership and bought a dream family home for them and their two young boys, Jay-Jay and Matthew.

Dental nurse Gemma explained: “We’d been trying to get a mortgage for a while and had been turned down many times. We kept an eye on the market, as you do, and this development popped up. We took a shot and here we are.”

Danny, a music teacher, added: “We came to view the show home in November. As soon as we walked in I was thinking ‘there’s no chance. If we could get this it would be a dream come true.’ With our situation and the amount of times we tried, I thought it was a pipe dream.”

However, after going through the details with Onward, Gemma and Danny found that they could make their dream a reality. With a little help from their parents, they were able to put down a £6,825 deposit to purchase a 25% share of their three-bedroom home.

And they’re already feeling the benefit. Gemma says: “We’re still recovering from solicitor’s fees, but it’s actually saving us triple figures each month moving from rented.”

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A Guide To Part Buy Part Rent
Part Rent Part Buy is a scheme you can use with Home Reach where you buy a share of your chosen newly built home and pay a monthly rent on the part you don’t buy. Your budget will decide the size of the share you buy, rather than the size of your home. So, you might decide to buy a bigger share of a lower priced home or a smaller share of a more expensive home.

You are able to purchase your share in either cash savings or by taking out a mortgage. If you are taking out a mortgage to finance your share, you will need to allow for a minimum of 5% deposit. The larger your deposit (typically 10%) the lower your mortgage repayments are likely to be.

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