Our Castle in Narnia
Zoe left North Devon 4 years ago due to Domestic Violence. She spent 7 months in a refuge with her 3 children and from there went into rented accommodation. After a long divorce and mediation process, the ex marital home was finally put on the market.
With looking into finding a more stable and secure "home" for her and her family (along with their family pet), she looked into shared ownership properties. Help to Buy South West's details were given to her by the Local Authority. She was unaware of what she was required to do to enable her to apply for Shared Ownership properties but speaking to Help to Buy SW gave her the kick start she required.
Waiting for her ex marital home to sell was a waiting game but Help to Buy South West assisted with speaking to her Local Authority. With the support of the Local Authority and the confirmation of offer on her property, her application was approved and she was able to apply for Shared Ownership properties.
Zoe states"Help to Buy South West were always very helpful and gave friendly advice at all times, keeping me informed of the documentation required and how the application was proceeding"
After a waiting game of promised exchanged dates, and a series of worries, Zoe was able to move on with an application for a property at Follaton Oak in Totnes offered by Westward Housing.
A relieved Zoe said,"Words cannot describe how I felt looking and believing I would be able to live in such a lovely quirky modern home in Totnes. Beggars Belief really"
Her children were absolutely elated with joys of being able to call somewhere home after one long journey through life so far.
Within 4 weeks, they had a completion date and all systems were go, to move to what, the family now lovingly call'their castle in Narnia'. With views across the countryside and local to amenities, to Zoe, it is the perfect place for the children to grow up and prosper.
With new schools for the children sorted and with excellent reports, the excitement for the family grew.
"To say that I have landed back on my feet and starting a fresh has been the best reward and living in our "castle" was worth all the stress in the process of this 4 year journey. We are so happy and to see the children have the rooms how they want them with pictures on the wall and at a later date colours they want. The dog also loves it with a garden she can run around safely and securely.
I cannot thank the Help to Buy team and Westward Housing Group enough, especially Justine and Gwenda for their continued support for the absolutely amazing "castle" we now live in and to start our new life we deserve so much after all this time.
C G FRY & SON NEWS RELEASE
DORSET FAMILY ABLE TO BUY FIRST NEW BUILD HOME IN LOCAL AREA WITH 'HELP TO BUY SCHEME'
A young Dorset family has been able to move up the'property ladder' and buy their first new-build home, four years ahead of schedule with the support of the Government's'Help to Buy' (HTB) Scheme. Husband and wife Marcus and Kerrie Courtaux, who have been married for four years, moved into their new C G Fry & Son home at Chickerell at the beginning of 2016 with baby son Theo, then aged just 12 months.
The town of Chickerell is conveniently located near to Weymouth with all its amenities and railway station where trains regularly run to Dorchester and on to London Waterloo. To the west of the Chickerell the scenic B3157 coast road runs through Abbotsbury with its famous Swannery and sub-tropical gardens, to Bridport, Lyme Regis and onwards along the historic Jurassic Coast to Devon.
Marcus and Kerrie's new three-bedroom house with single garage and parking, is part of the first phase of'Grey's Field', an NHBC'Pride in the Job' 2015 award-winning development of some 220 homes, built by independent developer C G Fry & Son. The mix of highly individual character homes are set within carefully planned streetscapes, incorporating business space, with prices starting from £278,000.
For purchasers who need financial help to buy their new house, C G Fry & Son offers the HTB Equity Loan Scheme, which assists first-time buyers and those looking to move up the property ladder to purchase a new-build home. The government-backed initiative was set up to help new and existing home owners to purchase a property with as little as a 5% deposit.
Marcus (29) is a Sky Engineer and grew up in Dorchester. He said: "The service from C G Fry was fantastic, particularly on how we needed to register for the HTB scheme. We went through a'New Homes' Mortgage Broker who took everything off our hands - it was a very easy process, and we were advised throughout."
Kerrie (27), who is currently on a year's career break from her administration role in children's services at Dorset County Council, was born in Chickerell. At the age of two, Theo is due to attend the local nursery called'Ducklings Pre-school', the same pre-school as Kerrie attended. "We love Dorset and feel very lucky to live in Chickerell with all its local amenities including a pharmacy, a doctors' surgery, shop and my old nursery school. 'Help to Buy' has helped us to stay living locally in my home town, which means we are able to provide Theo the same great quality of upbringing we enjoyed."
She adds: "Chesil Beach is nearby and Weymouth Bay, which I think is one of the nicest in the country, is only five minutes away. We also enjoy great views across the rolling Dorset hills from the front, and back of our new home, and the quality of finish and style of the house is brilliant – it's exactly what we would have chosen. Theo learnt to walk just after we moved in, and now he has lots of space to run around, which feels very safe."
Before moving to their new Fry's home, the young couple bought an older property, which Marcus renovated himself and sold at a profit to help them move up the property ladder. He feels HTB has saved them two more houses' worth of renovation and brought the purchase of their new build home forward, by as much as four years.
He comments: "It was very important for us as a family to stay in the local area, however, we knew we couldn't afford a new build home, as Dorset's one of the most expensive counties in the country. We previously lived in two flats and then planned to buy and live in older properties, which I could renovate to help us move towards our goal. Before moving to our new Fry's home, we owned a small semi-detached house a few hundred yards down the road. I did the property up, doing all the work myself, and sold it at a profit to help push us up the property ladder. We watched the new homes at Grey's Field going up but thought they were out of our price range until we looked at HTB. Without this financial help we couldn't have afforded a new home of this size and quality. Now we are very happily living in a lovely spacious, new C G Fry home with a south facing garden, which needs no work doing to it. This means Kerrie and I can relax and enjoy spending more time together with Theo as a family."
New Home - New Baby for Somerset Couple with 'Help to Buy' Scheme
Husband and wife Anthony and Katy Pimblett celebrate the birth of their baby daughter Lauren at their new home built under the Help to Buy scheme at Fern Green based in Langport. The Somerset development built by award-winning independent builders C G Fry & Son has to-date sold five of its 30 private houses under this scheme.
The Help to Buy Equity Loan scheme helps first time buyers and those looking to move up the property ladder to purchase a new-build home. The government-backed initiative was set up to help new and existing home owners to purchase a property with as little as a 5% deposit.
The couple who have been married for four years originally re-located from Bristol to a rented house in a Somerset village as they could not afford to get in to the local property market.
Anthony who grew up in South Petherton says: "I created a financial spreadsheet and worked out that it would take us at least five years to get on the property ladder by saving a 20% deposit and getting a mortgage. We wanted a family home sooner and were delighted when we heard that there was this scheme available. I was already aware of the excellent reputation of C G Fry & Son so when we heard about the scheme for new-build homes we decided to visit their Somerset development. I worked out if we were a successful applicant then we would spend less on the monthly mortgage and have our own home than we were paying for rented accommodation which was not a practical living space for young children."
Fern Green based on the edge of Langport is the latest C G Fry & Son Somerset development following the successful completion of adjacent Old Kelways based on the site of the original nursery. The houses at Fern Green have generous proportions, good-sized gardens with the combination of traditional craftsmanship using modern materials and technique's to recreate the look of those properties built centuries before. Surrounded by unspoilt countryside the development is within easy commuting distance of Yeovil, Taunton and Bridgwater with good local amenities.
Anthony and heavily pregnant Katy moved in to their new house together with their young son Max aged 2.5 years just before Christmas.
Katy comments: "Anthony and I don't normally like new houses as the majority are so box-like and we wanted space and a decent size garden in a safe area to bring up a family. Fern Green has a lovely feel to it and it is within walking distance of shops and cafes and there are good local schools. When we visited the site, we were immediately impressed with the layout, the wider roads, open green spaces and the houses were not crammed in. The quality of the house is really high and there is plenty of storage with a well-thought out and practical layout. The sales office staff were very helpful and made it easy to apply for the'Help to Buy' scheme."
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Help to Buy leading to ownership of dream home
"Fantastic","quick" and "brilliant" are just some of the words Nigel Pawley, 47 and Sheryl Pawley, 37 use to describe their smooth experience of the Help to Buy Scheme - the scheme which assisted them in owning their"dream house". No more sitting back from afar, no more hoping, no more restrictions as this families dream became a well-earned reality.
In rented accommodation the family were unable to put their own stamp on a house or to invest in their son's future,"fed up" of the"high cost" rent payments. Not being completely satisfied with their living arrangements, they watched on as a"field" became a new build development offering the Help to Buy Scheme. The'great first impressions' of this Cavanna Homes development in Plymouth provided an opportunity for the couple to purchase a property of their own – rent free."Wow!"
Understandably, many questions were required in order for Mr and Mrs Pawley to feel comfortable proceeding with the purchase"thought to be beyond finance means". These questions were answered"without delay" allowing the process to take flight.
The family now hope to spend their first two years having the freedom to redesign and furnish their"lovely" home at their leisure. Spending the remaining three years of the interest free Equity Loan saving to"pay off some, or all of the Help to Buy monies". This outlook will allow the family to settle in to their exquisite new home.
Mr Pawley's final words of advice,"when there is Help to Buy, don't accept second best!"
Applicants interested in buying a home using this scheme should visit www.helptobuysw.org.uk and http://www.helptobuy.org.uk/equity-loan/equity-loans for more information
Double celebration for first-time buyers Dan and Katie at The Parsonage
Professional couple Dan and Katie are unlikely to forget the day they bought their first home because it was the same day Dan asked Katie to marry him.
Dan and Katie, both in their late 20s, had been renting a flat for four-and-a-half years when the opportunity came up to buy a brand new, two-bedroom home of their own at the Parsonage, a new Raglan Housing development in Bronte Avenue, Christchurch. Katie is a graphic designer for a craft company based in Dorset and Dan is a branch manager of a national builders merchants.
"The Parsonage was pretty much spot on to what we were looking for," said Katie."We'd been living in a second floor flat for several years and we were desperate to have a garden and a bit of outdoor space. We had always said that we would get a house before we got married and not waste money on rent."
The stylish new red-brick development is just three miles from Bournemouth International Airport and a short walk from local buses and Christchurch Station which has frequent services to Weymouth, Bournemouth and London.
"It's a fantastic location and handy for the beach, shops, restaurants and the train which is about 10 minutes away. There's also a really lovely historic aspect to the town which is fun to explore within easy walking distance from our house."
The couple were able to purchase their new home off-plan through Raglan's affordable shared ownership scheme. The scheme enabled Dan and Katie to buy a share of their home based on what they felt they could afford rather than buying it outright.
"We own a 50 per cent share of our home and have a mortgage for that for which we put down a 15 per cent deposit on the remaining half of the property we pay rent to Raglan," explained Dan.
Dan and Katie pay a discounted rent to Raglan on the remaining share of the house which is below market rate. If they eventually want to own their home outright, they have the option of increasing their shareholding over the years and reducing their rent .
"We have a 25-year mortgage and there is a strong possibility that we'll increase the share we own in the future. Right now, our monthly outgoing, including our mortgage repayments and rent to Raglan, is only £50 more than what we were paying in a two bedroom flat a mile away. In terms of value for money, it's excellent value."
Raglan also helped Dan and Katie through the whole home purchasing process."As we were first time buyers, Raglan was excellent in understanding our situation. We were guided through the process and they helped us understand what was going on and what needed to happen. The purchase went very smoothly. We were told we had got the house in December and everything was arranged by February," said Dan.
Excellent customer service
Katie added:"Raglan was really helpful and always on the end of the phone for us. They always got back to us promptly. The aftercare too has been very good – we've had excellent customer service from Raglan."
The couple are clearly pleased with their new accommodation and the"decent-sized garden" their new two-bedroom, two-storey home offers. Katie liked the fact that the couple were able to have a say in the interior design of their new home."We were able to choose the type of carpets, flooring, tiles and even the kitchen we wanted. It was brilliant!
"The Parsonage is also a really attractive-looking development. The houses are well-finished and nicely landscaped and laid-out with common areas for residents to meet and socialise. Most of the people in the development have purchased their homes and are of similar ages to our own."
As for how they got engaged on the day they bought their house:"We had just been handed the keys and my thoughts were consumed with our new house; Dan took me completely by surprise when he popped the question," explained Katie.
"Yes – that's true," said Dan."Katie was in the lounge chatting to me about the curtains while I was on tender hooks waiting to pop the question. I got down on one knee and asked her to marry me and she said 'yes'. It was quite a day!"