Get answers to the most common questions
What happens when I submit my application?
When we receive your application, we will assess your details against the criteria for the scheme and confirm in writing whether you have been accepted as an approved applicant.
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How will I know what is available?
Schemes will be promoted on our web-site, but once your details are registered onto our database, housing associations will be able to send you their scheme marketing literature directly, so that you are aware of what is available in the areas you have chosen.
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What happens when a suitable scheme/property becomes available?
The Association developing the scheme will meet with you and discuss your application, invite you to view the property and explain the terms and conditions of the purchase. Once you have been offered and accepted the property, you will be required to make a non-refundable deposit to reserve your home. (This will be at the discretion of individual housing associations.)
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Can I choose what % share of the property I buy?
Applicants usually purchase a 50% share in their home. However schemes will differ from anywhere between 25% and 75%, often depending upon specific agreements with local authorities or which product you choose.
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Can I purchase additional shares?
On most schemes you can usually purchase additional shares. This is called "staircasing". However, there may be restrictions in place on certain schemes depending on what local agreements are in place. You will need to check with the housing association concerned.
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What happens if I want to move?
You will need to contact the association owning the balance of the share in your property who will advise you on their procedures. They will liaise with us to try to identify a suitable purchaser from our list. However, if the association does not successfully nominate someone to buy your property, then you are usually free to sell your share on the open market at the agreed valuaton price. Any purchaser you find will need to be appoved by the association.
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