How do I buy?

The criteria:

• Your household income is no more than £80,000 per year.

• You don't own a home already.

• You may be in the process of selling a home, however to be able to buy a Shared Ownership home from us, you must have a buyer for your existing home and complete on the sale prior to completing your purchase with us.

Buying a new home through hello homes can take around 12 weeks. The following list covers the main stages you will go through when buying a new home from us:-

• Choose your home from the selection on our website

• Complete a Help to Buy application form via Help to Buy Agent 2 (agent for Midlands and London)  https://www.helptobuyagent2.org.uk/

• Discuss your mortgage options with a Financial/Mortgage Advisor

• Provide us with your financial information for us to carry out an affordability assessment

• We will confirm your reservation

• You pay your reservation fee

• Instruct a solicitor to carry out the legal work

• Your mortgage lender will arrange a valuation

• Finalise your mortgage offer with your lender

• Arrange any necessary insurance

• Exchange contracts and pay any deposits

• Organise your move

• Agree a completion day and handover of your keys

• Move in and enjoy your new home