The Goldcrest

Semi-Detached House

Part of the Skylark, Wisbech development

Reserved
Buy From £84,000

Tenure

Shared Ownership

No of bedrooms

2

No of bathrooms

1

Council Tax Band

TBC

Features and description

  • 10 year build warranty
  • Downstairs WC
  • Stainless steel oven, hob & extractor
  • Allocated parking
  • Double glazed windows
  • Family bathroom with shower over bath

The property

The Goldcrest is a stylish two bedroom, semi-detached home comprising of a spacious living/dining area with feature French doors to the rear allowing in plenty of light and easy access to the turfed rear garden. 

Upstairs you will find two bedrooms and a white fitted family bathroom with shower over the bath.

 

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Local Area Information

Wisbech offers several options when it comes to education, for residents of Skylark with growing families. The market town has schools which cater for 4-18 year olds. 

The majority of schools have been rated either 'Outstanding' or 'Good' by OFSTED. Meaning that parents living in Wisbech can ensure that their children receives a quality education. 

Located only a short distance from the A47, residents of Wisbech have convenient access to larger towns and cities. For those who opt for public transport, regular bus routes also operative in and around the market town.

Whilst Wisbech does not have its own train station, nearby towns such as King's Lynn do which will be useful for residents of Skylark.

Wisbech has a booming town centre with a wide variety of independent shops for residents to browse in. For those looking to do their weekly food shop, there are supermarkets such as Asda and Aldi to choose from. 

For those wanting to browse the high-street retailers at the weekend, the cathedral city of Peterborough is just a 40 minute drive from the development, and boasts a variety of well-known restaurants and bars. 

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  • ground floor

    Floor plan

    • Kitchen

      2.92m x 2.29m 9'7" x 7'6"

    • Living/Dining

      4.55m x 4.02m 14'11" x 13'2

  • first floor

    Floor plan

    • Bedroom 1

      4.55m x 3.04m 14'11" x 9'11"

    • Bedroom 2

      4.55m x 2.77m 14'11" x 9'1" 

    • Bathroom

      2.26m x 1.96m 7'5" x 6'5"

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Site plan

Status

Available

Sold/Reserved

Coming soon

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Development Phase
House Type

Am I eligible?

Shared Ownership uses the following criteria to help people get a foot on the housing ladder:- Maximum annual household income of £80,000

One of the following statements must also be true:

  • You’re a first-time buyer
  • You used to own a home but can’t afford to buy now
  • You’re forming a new household - typically after a relationship breakdown
  • You’re already part of the Shared Ownership scheme but want to move
  • You own a home and want to move but can’t afford the new home that meets your needs

Use the Shared Ownership mortgage calculator to estimate the cost of buying this home

Homes at this development can be purchased between 25% - 75% of the property's full market value.
You are able to buy more of your home through the Staircasing process, where you can purchase additional shares at this development in increments of 10%.
Please note, as a Shared Owner you are responsible for all repairs and maintenance within your home.

Shared Ownership Rent Table

Shared Ownership Rent Table

% Share Price Monthly Rent
35 £73,500 £313.08
40 £84,000 £289.00
45 £94,500 £264.92
50 £105,000 £240.83

Next Steps

1

Information

For further information, please download our brochure below.

2

Apply Now

Please make an enquiry to contact Platform Home Ownership, the relevant sales consultant will then send you an application form to complete.

3

Affordability

Upon receipt of your application, we will refer you for an affordability assessment to determine the most affordable share for you.

4

Availability

Once you have passed the affordability assessment, we will then be in contact to confirm the availability.

5

Reservation Fee

If there is a suitable property we will then issue out your offer letter and advice on how to pay your £250.00 reservation fee for your new home. Shared Ownership is a fantastic opportunity if you're an unable to purchase a home on the open market. 

It allows you to buy a share in a property on a part buy/part rent basis and pay a subsidised rent on the part that you do not own. Over time, you can purchase more shares in your property – this is known as ‘staircasing’. 

This can be done at any time after initial purchase and it will reduce the amount of rent you pay, as the share of the home that you do not own will have got smaller.

Frequently asked questions

Most buyers who can’t afford to buy a home outright can apply to buy through shared ownership.

We may also be able to help if you need to move because of a relationship breakdown or if your work requires you to live in an area outside your price range.

In order to buy through the Shared Ownership scheme, you must be able to demonstrate that you can afford and sustain home ownership. If you proceed with Shared Ownership you will be required to undertake an affordability assessment.

You must meet our adverse credit policy, if you have a history of adverse credit you are unlikely to be accepted depending on individual circumstances.

Shared owners still have to pay many of the usual costs involved in buying a home.

Reservation fee

We will ask you for a £250 deposit to reserve your chosen home. When the sale goes through we put this towards your purchase payments. However, we cannot refund it if the sale does not go through.

Mortgage deposit and fees

Most mortgage lenders will ask for a 5% or 10% deposit towards the price of the share you want to buy. They are also likely to charge a valuation fee and administration fees.

Legal fees

Solicitors’ charges can vary so it is best to get a few estimates. You will also have to pay Land Registry and local search fees, and may have to pay stamp duty depending on the value of the property.

After you've moved in

You also need to budget for the ongoing costs of owning a home.

Mortgage repayments

You will have to make monthly mortgage repayments to your lender. Depending upon the type of mortgage you have, these repayments may vary as interest rates change.

Rent

You pay a subsidised monthly rent to us on the share of your home which we own. The amount is reviewed on the 1st April each year.

Service charges

You will have to pay a small charge if your home has any facilities or communal areas which we maintain, such as shared entrance halls, lighting and grounds. Your service charge will also include your buildings insurance and your management fee.

Household bills

These include your council tax and utility bills for water, gas and electricity.

Repairs

We will arrange for any defects on new-build homes to be repaired during a set time period. After that time has elapsed, you will be responsible for arranging and paying for all repairs to your home.

Home contents insurance

We provide buildings insurance with the cost of your service charge but this does not cover your belongings. We strongly recommend you arrange your own home contents insurance.

Much will depend on your other financial commitments and what property/share you want to buy. We don't want you to be overstretched, so we need to be sure that you can afford to pay your mortgage and rent. We look at each application individually and will advise you on your options.

Shared ownership schemes are backed by government funding to help people on smaller incomes. So you will not qualify for most shared ownership schemes if your household income is less than £10,000 or more than £80,000 a year.

On the property listings for some of our shared ownership homes, you will see that we state a local connection to the area is required.

This generally applies in rural areas and small villages where land has been made available specifically for affordable housing to meet the needs of local people, rather than for private development.

These are known as ‘rural exception sites’ or 'protected areas' and are controlled by ‘Section 106 Agreements’. They aim to help local people and families afford homes in the area where they grew up.

The local connection criteria can vary between different developments, but is usually based on the following:

applicant was born in the area and has lived there for a number of years: applicant has permanently lived in the area for a number of years: applicant used to live in the area for a number of years but had to move away because of the lack of affordable housing applicant has been permanently employed in the area for a number of years The number of years is usually between 2 and 5, although this differs by local authority

Usually priority is given to applicants with a local connection to the parish. If there are still properties remaining, allocation will be opened up to surrounding parishes and then to the whole of the local authority area. This ensures that the homes are occupied by residents as local to the area as possible.

If you want to find out more about the local connection criteria for a particular development, or check if you qualify, please email sales@platformhg.com

Yes you can, once you have moved into your Shared Ownership property, providing you can afford it, you are able to buy more of your home through the process of Staircasing.

Available properties

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