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Deposit Unlock
A 95% Mortgage to the customer
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Developers pay a percentage of the purchase price to an “insurance pot” which reduces the risk to the lender. This means the developer is contributing to allow the buyer to take advantage of a slightly cheaper rate on a high LTV
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Lenders are Accord, Newcastle and Nationwide
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The maximum purchase price and property eligibility are subject to lenders’ criteria
Available to First and Next Time Buyers
Green Mortgages
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A mortgage that’s available on homes with an Energy Performance rating of Grade A-C which could be in the form of a cheaper rate, cashback or other financial incentive from the lender
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Available to First and Next Time Buyers
Generation Home
Generation Home offers 2 methods that can be used together or separately, Income boosters and Deposit boosters
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Income boosters - an individual (or couple) can have up to 6 family members to be their income boosters. They can choose to contribute a set amount each month or to cover the whole amount should a payment be missed. This can help maximise the amount of lending available to you
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Deposit boosters – these individuals DO NOT need to be related to you. They can choose to contribute towards your deposit
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Both boosters can GIFT the money or choose to INVEST the money and get it back (like an equity stake) and it’s protected at all times
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This type of mortgage is called a Joint Borrower Sole Proprietor (JBSP). Only the people buying the property go on the deeds, meaning the stamp duty is not affected by the boosters
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Available to First and Next Time Buyers
Forces Help to Buy
The Forces Help to Buy scheme allows Regular Serving Personnel to borrow up to 50% of their annual salary to a maximum of £25,000, interest free. This advance may contribute towards a deposit for owning your own home, solicitor’s and estate agent’s fees, and in some extenuating cases to adapt a current property as your family’s needs change.
All regular service personnel are eligible who:
have completed the pre-requisite length of service
are not a reservist or member of the Military Provost Guard Service
have more than 6 months left to serve at the time they apply
meet the right medical categories.
However, there may be instances where exceptions to the standard rules may be justifiable, especially where you have extenuating medical and personal circumstances.
Sell to Buy
Want to buy but need to sell? We can help you with that:
- Reserve your dream home and let us handle the sale of your current one
- Valuations of your current home, a comprehensive valuation report and our sales progression services are included free of charge
- We’ll make the move as smooth as possible and liaise with all parties involved so you don’t have to
Part Exchange
Do you need more space for you and your loved ones?
Instead of going through the lengthy and uncertain process of trying to sell your home in order to buy the new home of your dreams why not Part Exchange with Lodge Park Homes.
- No costly estate agent fees
- A 90% of the market value offer
- No last minute re-negotiations
- A week to move out and in
- No chain
- Guaranteed buyer