Testimonials

ANOTHER HAPPY BUYER

Downsway, Chelmsford
Which member of the team exceeded in their service?
'Michael Gillespie was very helpful all the way through, including when it all went a little bit "wonky" towards the end! Thank you'

February 2017

Testimonials

ANOTHER HAPPY BUYER

Baker Court, Braintree
In your own words, please describe how you would compare Home Partnership with any recent or previous experiences of estate agents.
'We both felt as though the service provided was more personal than that offered by larger chain estate agents'
February 2017

Congratulations OnTheMarket.com

Happy 2nd Birthday to OnTheMarket.com!

If you haven't already, get signed up for property alerts online and you will be notified on new properties 48 hours before Rightmove!

Go to www.OnTheMarket.com to register.

Congratulations

We are thrilled to share that Reece, trainee negotiator at Brentwood has passed his Level 2 apprenticeship in Sales of Residential Property.

Well Done Reece!

Testimonials

Honest Feedback!

Mayne Crest, Chelmsford
Which member of the team, if any, exceeded in their service?
'Mike Smith went above and beyone to make the whole process as smooth as possible. Jo Williams was very helpful from the mortgage point of view and was very fast to respond to all my queries'
January 2017

Another Happy Seller!

Cornelius Vale, Chelmsford
Why did you decide to use Home Partnership to sell your property?
'The website looked professional'
January 2017

Help to Buy? Or not Help to Buy? by Joanne Williams

Help to buy? Or not help to buy that is the question - buying your home with only 5% deposit!

A scheme brought in by the government (don’t stop reading just because I’m using the ‘g’ word) to assist those trying to buy a home back in 2013.

Here in Chelmsford where the prices to buy a home have just gone up and up and up beyond belief (some say more so due to a certain large department store coming to town in 2016 never knowingly undersold).

The scheme was introduced in 2013 when mortgage lenders imposed onto buyers to put down a minimum deposit of 10 – 15% which in Chelmsford would equate to on average purchase of £250,000 an amount of £37,500 required! Not a measly amount in anyone’s book. With the help to buy scheme this figure dropped down to 5% which equates to £12,500 which although is still a fair amount of money but so much more attainable.

There are some misconceptions about the scheme;

Only available to first time buyers – WRONG

Only available to those buying a new build – WRONG

No one really uses it – WRONG

Although …

You only qualify for this scheme if this is your only home and not a second home (makes sense).

You only need 5% deposit and this can come from yourself or a gift from family (result).

As a mortgage broker (for longer than I care to admit to for fear of giving my age away) I can safely say that recently we’ve seen a higher uptake on the scheme for both new build and the open second hand market.

If the scheme baffles you get in touch with myself or anyone in our mortgage department -   we’d happily talk you through the process without the jargon and help you to find out if the scheme is something that could work for you.

The scheme has achieved what it was set up to do as in December 2016 the help to buy scheme was withdrawn (by the g word) for the second hand market as lenders are now offering legitimate, 95% mortgages with  competitive rates without their backing.

The government backed scheme for new build properties is still in place for the foreseeable which   has more to it with an equity loan but once again come in and see us and we’ll take you through the whole thing from start to finish.

Home Partnership Mortgages are based at Home Partnership Estate Agents at 11 Duke Street, Chelmsford.

Make an appointment by calling us on 01245 250222.

Joanne Williams                            
Partner

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