Shared ownership is another way to buy your own home. You buy a percentage, and pay rent on the rest. The housing association owns part of it — but you’re living there, you decorate it, and you decide when to sell.
Buying a percentage means a smaller deposit and smaller mortgage. It’s a sooner first step on the ladder for lots of people. Usually, you can also carry on buying shares, to own it 100%.
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Hopefield Grange - Phase 2, 2-3 bed homes
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Set within the beautiful county of Oxfordshire, Hopefield Grange is a selection of 2 & 3 bedroom homes located in the sought after village of Benson.
Surrounded by views of the stunning landscape, the development is set close to the River Thames and within walking distance of a wide range of local conveniences, offering the perfect balance of town and country living.
Hopefield Grange is a selection of homes within a wider development by an award-winning developer. Recognised for their exceptional design and build, whilst at the same time, offering value for money in sought after areas, they have created homes that are generous in light and space, capturing the essence of modern family living in the countryside.
Hopefield Grange is located within a stone’s throw from Benson High Street where you will find a thriving community boasting a range of shops and amenities including a supermarket, post office, green grocer, independent butcher and two public houses. You’re also just a few minutes’ walk away from the chemist, parish church, library and doctors surgery. Benson Waterfront Café and the Marina is less than half a mile away, so you can enjoy a walk along the River Thames then stop for a spot of lunch overlooking the water.
The local area also has a vibrant community, a wide choice of well-regarded schools for all ages within a ten minute drive and excellent commuter links to London, Reading, Oxford, Didcot, Swindon and beyond, making it an ideal location for modern family living.
Local area information
Located at the foot of the Chiltern Hills, which are recognised as an Area of Outstanding Natural Beauty, Hopefield Grange is conveniently situated three miles from the ancient market town of Wallingford, where you will find a range of regular weekly markets from the Charter Market which dates back to the 12th century, to weekly farmers market offering local produce, a country market with genuine homemade produce, and a local producers market with goods from within 30 miles of the town.
Other amenities include a Waitrose supermarket, unique independent gift, antique and artisan shops, Wallingford Castle & Museum, and a range of restaurants and local cafés. Wallingford is also host to The Corn Exchange where the whole family can enjoy a range of entertainment from film and theatre to music. The Wallingford School Leisure Centre is open to all and hosts sporting activities for adults from circuits, pilates, badminton and fencing to climbing, gymnastics and tae-kwon-do classes for the young ones
Min share price from: £144,000 for a 40% share
Full price from: £360,000
Monthly rent from: £450
There is only one available priced at £144,000 for a 40% share.
It’s the same as buying on the open-market but you’re buying a share of a property, so therefore pay a mortgage on the part you own.
An independent mortgage advisor can help suggest which type of mortgage might be best for you, based on your situation.
Leasehold, which is essentially the contract for the share you've bought.
It means you've got the right to keep your home for a certain number of years (usually at least 125), but the land belongs to someone else. Your lease also sets out how much you need to pay each month, your responsibilities while living there and all the details of your agreement with the housing association. Make sure you go through it and ask lots of questions.
Your solicitor can help you with this.