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 (New help to Buy agent to be confirmed on 2nd January 2020) they will check your eligibility and will then forward the form to us. Please note hello homes on the application form to enable us to be able to access your application

• 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