Share Price £85,275 (from 45% Min. Share)

Full Value £189,500 | £4,264 Min. Deposit

Scheme: Shared Ownership

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Spring Croft - 3 bed house in Winsford - Cheshire

place Hough Street, Winsford, CW7 2GX

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3 bedroom end of terrace house available with Shared Ownership in Winsford, Cheshire


Eligibility

ELIGIBILITY
The Shared Ownership scheme is a Part Buy, Part Rent way of owning your own home for a smaller up front payment. With Shared Ownership, you buy a share of your home using a mortgage from a bank or building society and pay a subsidised rent on the share you did not purchase. The combined mortgage and rent is usually less than you’d expect to pay if you bought a similar property outright. At Spring Croft, you can buy a minimum 45% share of your home (the maximum you can buy initially is 75%). When you’re ready, you can buy more shares until you staircase to owning 100% of your home.
To be eligible for shared ownership you would need to meet the following criteria:
• Your household income does not exceed £80,000 (outside of London) and £90,000 (inside of London)
• You have a deposit of at least 5% of the share value
• You do not own another property or have your name on the deeds or a mortgage for a property worldwide.
• This will be your only residence.
• You are a permanent UK resident or have indefinite right to remain.


Description

Sage are delighted to present these stunning three bedroom houses available now through Shared Ownership on Taylor Wimpey’s new build development Spring Croft in the popular town of Winsford, Cheshire.
Each home has fitted flooring and double glazing. As you enter the property, to the ground floor you can expect open plan lounge/diner, modern fitted kitchen and downstairs W/C. To the first floor there are three bedrooms and a good sized family bathroom. Externally there are gardens to the front and rear, and off road parking for two vehicles.

Winsford is a thriving town close to Northwich, Middlewich, Crewe and Nantwich. Also close to major cities such as Chester, Manchester and Liverpool. Crewe having a major railway hub providing links to cities across the UK including Winsford. There are many amenities such as town centre, convenient stores, petrol station, railway station, doctors surgery and public houses/restaurants. Within the town there are plenty of Primary School and The Winsford Academy. Middlewich provides convenient access to the M6.
Prices on this development start from 45% equity share.
You will need a minimum 5% deposit (of the share value) for mortgage purposes, plus monies to pay for solicitor fees, moving costs & furnishings. 


Pricing & Affordability

The share options below are based on the full market value of £189,500:

45% share £85,275: Rent £238.85 per month
60% share £113,700: Rent £173.71 per month
75% share £142,125: Rent £108.57 per month
Service Charge Information
There is a service charge of approximately £53 per month.
Shared Ownership
The Shared Ownership scheme is a Part Buy, Part Rent way of owning your own home for a smaller up front payment. With Shared Ownership, you buy a share of your home using a mortgage from a bank or building society and pay a subsidised rent on the share you did not purchase. The combined mortgage and rent is usually less than you’d expect to pay if you bought a similar property outright.

At Spring Croft, you can buy a minimum 45% share of your home (the maximum you can buy initially is 75%). When you’re ready, you can buy more shares until you staircase to owning 100% of your home.

To be eligible for shared ownership you would need to meet the following criteria:

• Your household income does not exceed £80,000 (outside of London) and £90,000 (inside of London)
• You have a deposit of at least 5% of the share value
• You do not own another property or have your name on the deeds or a mortgage for a property worldwide.
• This will be your only residence.
• You are a permanent UK resident or have indefinite right to remain.

Please note the minimum share you can purchase can vary depending on your financial situation and you may be asked to purchase a larger share, should your personal circumstances permit.

Information About Sage Housing
Butters John Bee Winsford are selling the homes on the Marham Park development on behalf of Sage Housing. Sage Housing is a Registered Provider committed to providing high quality affordable homes across England.
Disclaimer
*Service charges are estimated and may subject to change.

**These photos are for information purposes only and may not represent a true likeness for the units being sold. They may have been taken from earlier phases or similar developments/house types and digitally furnished to represent how the home could be laid out; the final colours/appearance/specification may differ from the images and are not plot specific.


Key Features

• End of terrace family home available
• Spacious bedrooms
• Open plan kitchen/living areas
• Garden
• Off road parking


Download Documents

Link to the floor plan Energy Certificate
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Calculate Monthly Cost

Share price
£ 85,275
Min. £85,275
Share percentage
Min. 45%
Your deposit
Min. £4,264
Monthly cost*
£717
Cost breakdown
£239
Rent
£53
Service charge
£425
Mortgage*
Calculated using a representative rate of 3.94%
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Disclaimer

The information displayed about this property comprises a property advertisement. Share to Buy ltd makes no warranty as to the accuracy or completeness of the advertisement or any linked or associated information, and Share to Buy has no control over the content. This property advertisement does not constitute property particulars. The information is provided and maintained by the sponsoring housing association. Please contact the housing association or estate agent directly to obtain any information which may be available under the terms of The Energy Performance of Buildings (Certificates and Inspections) (England and Wales) Regulations 2007.

The ‘Estimated total monthly cost’ for a Shared Ownership property consists of three separate elements added together:

  • Rent: this is charged on the share you do not own and is usually payable to a housing association (rent is not generally payable on shared equity schemes)
  • Service Charge: covers maintenance costs for the property as a whole and communal areas
  • Mortgage: Share to Buy ltd are specialist Shared Ownership mortgage brokers and we use a database of daily updated mortgage rates to work out the lowest rate available for the deposit amount shown, and then generate an estimated monthly payment on a 25 year capital repayment basis.


NB: this mortgage estimate is not confirmation that you can obtain a mortgage and you will also need to satisfy the requirements of the relevant mortgage lender. Nor is this a guarantee that in practice you would be able to apply for such a rate, and nor is this a recommendation that the rate used would be the best product for you.