Sarah McCarthy

Hands On!

Raphael Meade is a big character whose life story is quite extraordinary. He is an accomplished carpenter and joiner and took part in Eden, the reality TV show on Channel 4, where he and 22 other participants spent a year in a remote part of Scotland, attempting to build a self-sufficient community. He has recently just filmed a new series for Channel 5 with Nick Knowles, which will be aired soon. He talks to Lynda Clark about how it all began, his dreams for the future and gives some advice for first time buyers

Photos Mike Prior

"MY MUM AND GRANDMOTHER WANTED ME TO GET A ‘PROPER’ JOB FOR LIFE – SOMETHING IN LONDON TRANSPORT OR WORKING FOR A LOCAL AUTHORITY BUT I ENDED UP BEING A CLERK IN A SOLICITOR'S OFFICE WHICH I ABSOLUTELY HATED"

"IT WAS HARDEST THING I HAD EVER DONE AND A HUGE CHALLENGE. WE LIVED IN A REMOTE PART OF SCOTLAND AND WE WERE CONSTANTLY STARVING. I AM DEFINITELY NOT A FOODIE AND EATING DOESN’T BOTHER ME AT ALL I THOUGHT, BUT IT SOON BECAME LIKE SOMETHING FROM LORD OF THE FLIES AND THE SURVIVAL OF THE FITTEST"

When I talk to Raphael he is in

his man cave in the garden,

wearing roller skates. Yes, roller skates! Always on the go, he is ready and waiting after our chat to go for a spin. Raphael explains that from as far back as he remembers he was the family fixer. “I love working with my hands and I used to take my dad’s (who was in the building trade) tools without him knowing and I got into lots of trouble. I was quite naughty as a child and if we found an old pram we would ‘borrow’ the wheels and make go-karts – we were always up to something. "I always loved cars and if I was given a racing car for my birthday or Christmas I would dismantle it and put it back together the way I wanted it to be as I was fascinated in how it worked. I wasn’t very academic at school but once it came to the tech classes, working with wood and metal, I was in my element and top of the class! One summer on the way to school I passed a house that was being renovated and I decided to take a look at what was going on. I poked my head round the door and asked if there was any work available. "The boss was a Greek man and he called me in and asked me to mix up some cement. I didn’t go to school for a few days, which looking back was very bad, but I had the best time. The guys on site would have a full English breakfast every day and I was always invited to go along with them and to this day I love a good fry-up breakfast!”

Because of his love of cars, it seemed natural that he would become a mechanic, but he couldn’t stand the grease under his nails so that was out of the question. “My mum and grandmother wanted me to get a ‘proper’ job for life – something in London Transport or working for a local authority but I ended up being a clerk in a solicitor's office which I absolutely hated, so I left. I was always doing carpentry stuff in my spare time yet did not consider it a career. I then became a dispatch rider, which I enjoyed as I liked riding around on my motorbike, but I got caught for speeding a couple of times and lost my licence for two years so that was the end of that job! "I didn’t really know what to do next. I have always looked very young for my age and got away without paying the adult fare on the bus for many years. I decided that I would join London Transport and apart from getting free travel I would have some work. I was a guard on the underground for four and half years which was all right but not the job of my dreams. I was friendly with one of the drivers and he told me that as I had a steady job I would soon get married and settle down and have a family. That got me thinking because I wasn’t nearly ready for that and still enjoyed going out at weekends. One day I went into the canteen and saw all those people looking pretty depressed and thought to myself that could be me, so decided to leave.

“I then decided to go back to college and train to be a carpenter, which was always something I loved. Eventually I started my own business and had an office in Upper Street in London and a workshop in Tottenham I used with a friend. We were so busy and we were making a lot of money, but suddenly one day the phone stopped ringing and because of the recession there was no work and no money. Stung hard by the recession, I then decided that I would train to be a school teacher, passing on my love of sport and woodwork, so I went to Roehampton University. "We had to do a placement in a school and I decided that I would ask my old school if I could do it there. I wanted to give something back and as I was once 'that problem child' I knew how to connect with other like-minded children. But, there are so many restrictions when you are a teacher and I soon realised that I just wasn’t cut out for it. Because of everything I had financially been through I had stopped chasing that pot of gold and just wanted to live one day at a time. A friend wanted me to go into business with him but I really

didn’t want to go down that path again, but eventually I got sucked in and started building houses.”

During this time, a friend on Facebook had been approached by a TV production company as they were looking for somebody with building and carpentry skills for a programme they were planning. The friend had passed Raphael’s name on and the production company called him up. “I had no idea who it was or what they wanted and I seriously thought it was a prankster and hung up the phone. They called the next day and explained they were making a reality show and would I be interested in taking part but that I would have to live away from home for a year. "We were very busy at work so it was bad timing and I wasn’t sure my wife would agree to me being away for so long. Eventually she did agree to it and I had an interview – one of the questions was, ‘What would you do if you were on a desert island and starving?' I replied, ‘Well nobody better die as they would end up on my plate!’ This really made them laugh and they asked if I would take part in the show, which was called Eden and was on Channel 4.

“It was hardest thing I had ever done and a huge challenge. We lived in a remote part of Scotland and we were constantly starving. I am definitely not a foodie and eating doesn’t bother me at all I thought, but it soon became like something from Lord of the Flies and the survival of the fittest. I had never camped, swam in rivers or lakes and was never really an adventurous outdoors type, but it gave me time to reflect and learn a great deal about myself. I made a lifelong friend there, Anton, and I couldn’t have survived it without him – he is amazing!”

After Eden finished, Raphael was advised to find an agent, which led him to make adverts and have small parts in films and on television shows. He worked as part of a team on TV’s Grand Designs, on the famous straw house, and has remained friends with the owner, Sarah Wigglesworth, and has from time to time popped in to do remedial work. His latest venture has been making a new TV show for Channel 5 with Nick Knowles. “I can’t say too much but the show is about making an awkward space into something more practical and I give lots of hints and tips on how to achieve this. I am not quite sure when it will be aired but it was great fun and I am sure it will be very popular.” He also makes videos about carpentry, which he films in his man cave, for YouTube and Instagram. “I do little films for all levels and come up with simple ways to fix problems with lots of ideas too. I also teach carpentry, which I really enjoy.” He also works on film set construction making scenery, most recently on a set for a BBC production, My Name Is Leon with Lenny Henry as one of the main characters.

He is a martial arts instructor and enjoys coaching others, especially people who are shy or have low self-esteem, and said, “The beauty is to see someone you never thought would, blossom.”

Raphael lives next door to his in-laws and loves his home and being part of an extended family. When it comes to buying your first home he has some very sound advice. “Don’t get caught up in all the glam and glitz when you visit a potential home. Always remember that the sellers are doing their best to try and hook you to buy it, so take a look and then go home and think about it. After a few days go back and try to envisage the place without the furniture and see what potential it has. Try and see it with your mind and not your eyes and keep a clear head before making any decisions.”

Before we finish our chat, I ask Raphael what he would like to do in the future and I am totally surprised by his answer. “As long as I have air in my lungs and blood in my veins I am happy. But, my dream would be to sit on the sofa on The Graham Norton Show and to take part in Strictly Come Dancing. Growing up I wanted to be a ballet dancer. I remember walking past the television and Rudolph Nureyev was on the screen dancing and doing big jumps and I thought he was amazing. I told my mum that was what I wanted to do and she said a definite no, but if I had my time again I would fulfil my ambition and train to be a ballet dancer.”

Ballet dancer or not, Raphael is very talented and as his grandmother said to him, “There is no such thing as can’t. You will or you won’t. Find a way.” So maybe we just might see him dancing a pas de deux one day soon.

"ALWAYS REMEMBER THAT THE SELLERS ARE DOING THEIR BEST TO TRY AND HOOK YOU TO BUY IT, SO TAKE A LOOK AND THEN GO HOME AND THINK ABOUT IT. AFTER A FEW DAYS GO BACK AND TRY TO ENVISAGE THE PLACE WITHOUT THE FURNITURE AND SEE WHAT POTENTIAL IT HAS"

Nick Knowles’ Home Improvements will be on Channel 5, with the first show now scheduled to air in June

95% MORTGAGES ARE BACK!

In the recent Budget, Chancellor Rishi Sunak announced a guarantee to lenders Sunak announced a guarantee to lenders offering mortgages to homebuyers with just offering mortgages to homebuyers with just a 5% deposit. The scheme is designed to a 5% deposit. The scheme is designed to help those with a low deposit get accepted help those with a low deposit get accepted for a mortgage, with the Government backing part of the loan. The scheme is backing part of the loan. The scheme is open now and will run until December open now and will run until December 2022. Lloyds, NatWest, Santander, Barclays 2022. Lloyds, NatWest, Santander, Barclays and HSBC have already signed up to offer these mortgages, with more lenders offer these mortgages, with more lenders expected to follow. Debbie Clark explores explores what this means for you

HOW DOES IT WORK?

As a buyer, there will be no difference between a mortgage offered within this scheme or outside of it – the mortgage will operate in exactly the same way. The scheme is ultimately designed to protect lenders and give them the confidence to offer 95% loan-to-value (LTV) mortgages again. The Government is effectively committing to covering 95% of any losses a lender makes on the amount of the mortgage above 80% loan-to-value, for example if you were ever to default on your mortgage, resulting in the property being repossessed. Any lender taking part in the scheme will be required to offer a five-year fixed mortgage as part of its range of 95% LTV products.

AM I ELIGIBLE?

Most likely yes, providing the property you are hoping to purchase is priced at £600,000 or less. The eligibility criteria are as follows:  You must be buying a main residential home in the UK (not a second home or buy-to-let property)  The property must be worth £600,000 or less  You must have a deposit equivalent to between 5% and 9% of the property’s purchase price  You must apply for a capital repayment mortgage (so you cannot use an interestonly mortgage)  You’ll need to pass your lender’s normal mortgage affordability criteria

Location North East Scotland North West Yorkshire and The Humber Average FTB House Price 5% Deposit 15% Deposit Reduction £120,953 £131,034 £154,175 £156,387 £6,048 £18,143 £12,095 £6,552 £19,655 £13,103 £7,709 £23,126 £15,418 £7,819 £23,458 £15,639

Wales

£159,106 West Midlands Region £180,558 East Midlands £180,670 South West £231,541 East of England £257,493 South East £271,016

London £431,160

England

£244,560 Great Britain £210,727 £7,955 £23,866 £15,911 £9,028 £27,084 £18,056 £9,034 £27,101 £18,067 £11,577 £34,731 £23,154 £12,875 £38,624 £25,749 £13,551 £40,652 £27,102 £21,558 £64,674 £43,116 £11,228 £33,684 £22,456 £10, 536 £31,609 £21,073

IS IT A GOOD DEAL?

That depends! See pages 108-109 for more information on the actual rates, but the lower your LTV, the better rate you will get; so this isn’t necessarily the "cheap" option. It is therefore vital, as always, to consult an independent financial adviser (IFA) about what type of mortgage is best for your situation. Ultimately, whether a low deposit mortgage is right for you will depend on your individual circumstances, and a good IFA will be able to advise accordingly. They will likely ask you if you’re able to supply a larger deposit, as if you have access to a 10% deposit or more, you will have access to far favourable rates.

Research by lettings and estate agent Barrows and Forrester looked at what the new scheme means in monetary terms for first time buyers across Great Britain, based on the cost of a 5% deposit on the average first time buyer house price in each region. They found the average first time buyer mortgage deposit would now be just £10,536, making the prospects of getting a foot on the ladder far more realistic for many than it has been in recent months

FROM £TBC*

ALTRINCHAM

Allingham Place

Coming soon to Altrincham, Allingham Place Coming soon to Altrincham, Allingham Place boasts an affordable option to purchase in boasts an affordable option to purchase in south Manchester’s "trendiest neighbourhood". south Manchester’s "trendiest neighbourhood". This exciting new development offers a selection This exciting new development offers a selection of two bedroom apartments available to of two bedroom apartments available to purchase through shared ownership. Each purchase through shared ownership. Each apartment has been designed to offer luxury apartment has been designed to offer luxury living at an affordable price. Set in a prime living at an affordable price. Set in a prime location, Allingham Place is surrounded by local location, Allingham Place is surrounded by local amenities, where shops, bars and restaurants amenities, where shops, bars and restaurants are plentiful. are plentiful.

geckohomes.co.uk/ nd-a-home/allinghamgeckohomes.co.uk/ nd-a-home/allinghamplace-altrincham-2-bed-apartments place-altrincham-2-bed-apartments 0330 995 1333 0330 995 1333

FROM £89,250*

DAGENHAM

Merrielands

This contemporary collection of homes from Clarion features 325 apartments including studios, one, two, and three bedroom properties, which are set around landscaped open spaces and children’s play areas. The apartments offer open-plan kitchen/living/ dining areas and all open out on to a balcony or terrace. The communal landscaped roof terraces and gardens are also a huge plus for city living. With less than half an hour walk to the River Thames, and located next to a retail park with vast amenities, as well as having fantastic transport links into central London, Merrielands offers an ideal and wellconnected lifestyle for all.

sharetobuy.com/developments/2520 0300 100 0309

*Coming soon

when many lenders have been insisting upon a 15% deposit. This figure obviously varies significantly across Great Britain, with average deposits under £5,000 in some parts of Scotland and the North, and averaging over £20,000 in London.

Managing Director of Barrows and Forrester, James Forrester, commented, “We’ve seen numerous schemes targeted at helping first time buyers get on the ladder in recent years and rightly so. The cost of homeownership has spiralled drastically across Britain in the past 30 years and so it’s vital we do all we can to address this issue of affordability and remain a nation of homeowners. The great news is, that with a 5% mortgage deposit, the initial financial barrier of securing a mortgage will now be far lower than it previously was.” We have scoured the country for developments which would allow you to find your perfect home, taking advantage of the new scheme. Barking and Dagenham ranks as the capital’s most affordable area, with Croydon coming in third, so our featured developments here are well worth considering if you are hoping to set up home in London. Similarly, Southampton ranks as the most affordable area in the South East, with an average deposit of under £10,000.

*Based on a 35% share of the full market value of £255,000

FROM £75,250*

ROCHDALE

Bel eld Mill Lane

This brand new development, located in Rochdale, consists of 28 three and four bedroom houses. These lovely, modern family homes feature contemporary kitchens, integrated fridge-freezers, double ovens and two parking spaces per property. Homeowners will bene t from transport links to Manchester city centre, as well as proximity to local rural beauty spots.

plumlife.co.uk/development/bel eld-mill 0161 447 5050

FROM £82,500*

CROYDON

Queens Quarter

This development is part of a new neighbourhood in central Croydon connecting with The Queen’s Gardens, and delivering a total of 513 new homes and 12,500 sq ft of retail and commercial space. There is a range of one to three bedroom apartments available, enjoying views over the adjoining gardens. The high-speci cation homes are designed to maximise the use of space, with open-plan living areas that open on to a private balcony. Homes at Queens Quarter are available to those living or working in any London borough.

lqhomes.com/queensquarter 020 8189 7602

*Based on a 25% share of the full market value of £330,000

FROM £75,750*

CROYDON

Cairo Apartments

These modern studio, one, two and three bedroom apartments have been designed to offer both comfort and versatility, with open-plan living areas planned to maximise space and light. Finishing touches include stylish tiling in the bathrooms, space-saving designs and compact heating solutions. The development provides easy access to the impressive shopping, leisure and entertainment that Croydon is renowned for. Nearby transport links provide easy connections to the rest of the capital and beyond.

optivosales.co.uk/cairo-apartments 0800 0121 442

CASE STUDY

Acute medicine nurse and rst time buyer Lauren Pinnell, 26, has bucked the recent trend of moving to the country by starting a new life in the city. Before relocating to Southampton, Lauren lived with her mum and brothers 50 miles away in Warminster. She explains, “I am a country girl at heart, but I was yearning for a totally opposite life to the one I had in Warminster. When my mum kindly gifted me some money for a deposit on my rst home, I knew that it was my chance to start a new life for myself in Southampton.”

Lauren, who works in Winchester, used Inland Homes’ exclusive key worker discount to secure her rst home, a two bedroom apartment at Chapel Riverside, Southampton, in September. Speaking of the discount, she said, “Given the current climate and the circumstances that key workers have found themselves in, it’s really nice to have an acknowledgement of the extremely hardworking efforts we are going through. The key worker discount gave me a 1% cash discount which was an added bonus, and meant I could get more than I originally planned for.”

Lauren had her heart set on Chapel Riverside having visited a friend who had bought a property in Phase One of the development. She recalls, “I just thought the whole set-up of the development was beautiful, and so convenient for young people like me looking for their rst home. I actually put my deposit down on this apartment before I’d even viewed it in person, as I completely trusted that it was going to be perfect. When I viewed the property online, I loved the fact that it was a two bedroom home, and that it had fantastic views across Southampton, as well as dedicated parking which makes life so much easier for me. Since moving in, I’m even more in love with it! Every room is so bright and airy, and I feel like when I walk in, I can just breathe and relax.”

Lauren added, “Even with Covid-19 and all the strains of working in the NHS, the buying process was made so easy for me, and everyone was very accommodating to my needs. Moving to Chapel Riverside has really enabled me to enjoy a new lifestyle – it’s better than I could ever have dreamed, and I can’t wait to see what the future will bring in my new home!”

GODALMING

Amber Lodge

FROM £400,000*

Amber Lodge by Shanly Homes, in the market town of Godalming, is a nine-minute walk from Godalming station, with a 50-minute train journey to London Waterloo – offering the perfect balance of town and country. These two bedroom apartments feature an open plan kitchen/living/dining room, en suites to the master bedrooms and tted wardrobes. All come with allocated parking spaces and secure cycle storage. The development is within walking distance of the town with its restuarants, bars, cafes and pubs, while the nearby town of Guildford boasts a range of shopping experiences. The monthly Godalming farmers’ market provides the perfect opportunity to stock up on local produce.

shanlyhomes.com 01483 420 555

BURNHAM

Burnham Court

FROM £260,000

Burnham Court consists of 58 one and two bedroom apartments and three bedroom townhouses. Highlights of the high-quality speci cation include bespoke matt- nished kitchen cabinets tted with a comprehensive range of Bosch appliances. All homes offer off-street parking and private outdoor space; apartments have balconies and houses have private gardens. The development is ideally located close to the village centre, with its appealing high street and train station close by, which offers a regular 36-minute service into London Paddington, with Crossrail coming soon. Burnham Court is also well situated for fast access to the M4, M40 and A4, just 23 miles from central London and a short 25-minute drive to Heathrow airport. Buckinghamshire is one of the few English counties continuing to offer grammar school education, which gives it added appeal for some parents.

chanceryhomes.co.uk 01628 674 234

SCARISBRICK, WEST LANCASHIRE

Sandhills Park

FROM £78,750*

Sandhills Park from Onward Living is a new development offering an attractive collection of three bedroom detached and semi-detached homes through shared ownership. These striking homes come in a variety of styles and include contemporary tted kitchens, modern bathrooms, en suites, utility rooms, and off-road parking. Scarisbrick is conveniently situated on Southport Road, the main road between Southport and Ormskirk. Kew Retail Park, with a range of large stores, is nearby, and there are supermarkets, pharmacies, a GP, pubs, cafes, and a gym close at hand. Meols Cop train station is just over a mile away, offering direct links to Manchester and Wigan, as well as trains to Liverpool via Southport.

onward-living.co.uk 0300 555 0130

FROM £99,750* FROM £150,500* FROM £117,500*

CROYDON

The Grove

Designed by award-winning architect Metropolitan Workshop, these 41 two and three bedroom apartments are available just moments from East Croydon station. In addition to the spacious, high-speci cation apartments, the building boasts a residents’ lounge, co-working space, wellness room, and three themed rooftop terraces offering stunning views across south London. East Croydon is a major transport hub, with excellent train links to London Victoria and London Bridge, as well as south to Gatwick airport and Brighton. Tramlink services go west to Wimbledon and east to Beckenham and Addington. There are also cycle routes for people of all abilities and the development even offers a designated cycle maintenance area with tools provided, and a cycle store with capacity for 194 bikes.

optivosales.co.uk/the-grove 0800 0121 442

*Based on a 25% share of the full market value of £399,000

RINGMER, EAST SUSSEX

Levett Fields

In the historic village of Ringmer in East Sussex, Optivo is offering three and four bedroom houses through shared ownership. This stunning development combines perfectly connected country living with contemporary design and is on the edge of rolling hills and woodland trails. Ringmer has all the amenities you could want, including shops, cafes, pubs and restaurants. The homes are built to a high speci cation with fully integrated kitchens which include an oven, hob, extractor hood, fridge-freezer, dishwasher and washing machine.

optivosales.co.uk/levett- elds 0800 0121 442

*Based on a 35% share with a full market value of £430,000

FELTHAM

Centrum

FROM £104,000*

Occupying a central location, overlooking Longford River and moments from Feltham rail station, is this dynamic new development. A collection of one and two bedroom apartments, each with its own balcony or terrace, Centrum offers a combination of tranquil green space, excellent local amenities and access to speedy transport links into central London. Feltham is a thriving district with big plans. Investment in the area includes improved transport links and even better retail and leisure facilities, all set to transform the area over the next 15 years. Priority for these homes will be given to people living or working in the London Borough of Hounslow.

networkhomessales.co.uk/ nd-your-new-home/centrum-feltham 02380 820 121

SOUTHAMPTON

Chapel Riverside

Chapel Riverside, set in a striking four-storey building, is a premier new destination for modern urban living. This collection of stylish riverfront apartments includes 24 elegant one and two bedroom homes available through shared ownership. Enjoying a superb setting on the banks of the River Itchen, within easy reach of Southampton city centre and Ocean Village, they are already in great demand from discerning rst time buyers. The spacious, well-designed properties offer purchasers an ideal combination of a quality speci cation and affordability.

starthurhomes.com/chapel-riversidesouthampton 020 7224 3066

*Based on a 50% share of the full market value of £235,000

FROM £67,375*

LANGHO, BLACKBURN

Petre Wood

This impressive development of 15 brand new two and three bedroom houses and bungalows is located in the heart of the Ribble Valley; an Area of Outstanding Natural Beauty, well known for scenic countryside, foodie destinations and historic landmarks. These contemporary homes feature a modern speci cation, and include two parking spaces and turfed gardens. Petre Wood bene ts from excellent transport links to Blackburn, Preston and further a eld via good motorway connections and public transport provision.

plumlife.co.uk/development/petre-wood 0161 447 5050

BARKING RIVERSIDE

Fielders Quarter

FROM £58,750*

Fielders Quarter is the latest range of homes at Barking Riverside, east London’s newest town on the Thames. The development consists of one to three bedroom shared ownership apartments, and is one of the earliest opportunities to buy in this 15-year project, transforming a former industrial site along the bank of the River Thames and delivering over 10,000 new homes to Barking. New schools are open now, with Thames Clippers and the new Barking Riverside Overground station coming soon.

lqhomes.com/barkingriverside 020 8617 1747

*Based on a 25% share of the full market value of £235,000

READING

Renaissance

FROM £222,000

Renaissance is a collection of one, two and three bedroom apartments. Bene ting from Reading’s growing status as a business centre and the town’s easy access to London, the homes are ideal for busy families and single professionals alike. Residents looking for convenient access to a range of amenities need look no further than Reading town centre where they will nd shopping, dining and leisure opportunities. Renaissance is in an excellent location for convenient connections. Commuters can reach London Paddington in as little as 28 minutes, while for international travel, Heathrow is just a 45-minute drive from the development.

bellway.co.uk/new-homes/thames-valley/renaissance 0118 217 5785

HAWLEY, HAMPSHIRE

Helios Park

FROM £645,000

Celebrated as one of the UK’s happiest places to live, Hampshire is the location for this new collection of homes. Situated in the village of Hawley, the homes are surrounded by secluded woodland, yet still within easy reach of Farnborough, Camberley and major transport links for access to London. The detached four bedroom properties, bene t from garages or allocated parking, are a great option for purchasers, especially those with growing families and commuters.

bellway.co.uk/new-homes/thames-valley/helios-park 0118 979 8234

CASE STUDY

Saving a suitably sized deposit for a rst home is still one of the biggest barriers rst time buyers face. So much so that more than 51,000 property hunters have decided to book a temporary stay at the "Hotel of Mum and Dad" in order to save for a deposit. For 32-year-old Louisa Mulford, taking the decision to end her rental tenancy and move back in with her parents during lockdown meant she was able to save the required deposit she needed to buy her rst property for her and her eight-year-old son. By utilising the shared ownership scheme with St. Arthur Homes, Louisa has moved into a stylish two bedroom apartment at the superb waterside development of Chapel Riverside in Southampton.

Having lived in Southampton all her life, Louisa explains what led to her making the decision to move out of her rental property and back in with her parents. “I was renting an older two bedroom maisonette locally. I always had the plan in mind to buy my own property, however it was becoming almost impossible to save money for a deposit while paying to rent somewhere. So, I made the bitter sweet decision to end my tenancy and move back in with my parents. By doing this I knew it would give me the opportunity to really buckle down and save as much money as I could – 14 months later I had saved enough to put a deposit down on a shared ownership property at Chapel Riverside with St. Arthur Homes.

“Like everyone, my ideal would be to buy a property on the open market, but this just wouldn’t be something I would be able to afford. I had also looked into using Help to Buy, however it wasn’t a viable option for me and I also felt that the properties in this area that are available with Help to Buy tend to come with a slight premium. Initially I was a little resistant to the idea of shared ownership, so I decided to look into it a bit more and soon realised it would be a great way to get on the ladder. I am very happy I made that choice to go ahead, and would certainly recommend it to anyone who is struggling to buy a property and maybe thinks buying somewhere is out of reach or is unsure about shared ownership.”

Louisa continues, “I was able to purchase a 30% share in a two bedroom rst oor apartment that has a private balcony I can access from my living area and I also have my own parking space outside the apartment building. The full market value was £230,000 and I put down a deposit of £16,000. I would say that in comparison to renting I am probably paying about the same but I have been able to buy my rst home for me and my son which was important to me. I’m really impressed with the speci cation, the layout is well planned and spacious, and I love my bathroom – it feels like a luxury hotel-style one!

“We are lucky that we have plenty of friends and family that live locally too. Having lived in this area all my life, it’s been nice to see how the area has changed over the years, and it’s a bonus to work nearby at Solent University. We have lots of green space and the waterside is lovely to have close by, plus we also have two parks within a 20-minute walk."

Speaking about her future plans, Louisa says, “While shared ownership has given me the opportunity to buy my rst property, I would eventually like to move into a bigger property with my own garden, but I wouldn’t rule out staircasing my share in this apartment as it would still be an investment for my future. I’m really enjoying living here, and looking forward to things opening up again and being able to visit the marina. I can’t wait to have my family and friends over for dinner so they can see my lovely new home.”

SHOW STOPPER!

Since we have had to spend more time at home during the pandemic, many first time buyers are thinking very differently about their needs and wants when buying their first dream home

We have had to adapt to a new way of living, with space to accommodate a home office, gym and much more.

Interiors have reflected this trend and generally people are looking for a flexible living space which is adaptable and comfortable, but is still on trend and affordable. First time buyers have to work to a budget, but they are still decor enthusiasts and the interior design industry is booming. This is largely due to Instagram, apps, Pinterest and interior influencers and many first timers will spend hours scrolling through their phones to get hints and tips, the latest colour trends and design ideas so they can create their own special and unique space.

Many first time buyers will visit show suites on new developments and these aspirational homes give people an idea of what their potential property could look like. We asked designers of show homes to highlight a show home they have recently worked on and asked them what influenced their ideas, what the current trends are and asked them to give some ideas especially for first time buyers.

OASIS INTERIOR DESIGN

Woodberry Down show apartment for Notting Hill Genesis

Rachel Best, Design Director at Oasis Interior Design

Rachel has worked within the interior design world for most of her working life. Working with a select few high-profile companies, Rachel has honed her skill for design and her eye for flair perfectly. She has a love of colours and blending textures, and the ability to visualise and bring designs to life, exceeding clients’ requirements.

“Working towards and delivering the perfect design for a client’s requirement is my driver. It gives us an enormous sense of pleasure seeing a design transform from concept, to presentation to the client, through to the stunning reality of a successful, on-budget, show home.”

How did you come up with the design for the new show home at Woodberry Down?

We were inspired by the location of Woodberry Down, in particular the surrounding nature reserve – it is such a unique setting within London. Also, the sense of community in the development and all the trendy local shops and cafes. The development has a high-end feel yet

welcoming and trendy, so we wanted to portray that within our interior design.

Why did you choose this particular colour palette?

You just can’t ignore the local reserve and the beautiful reservoirs that envelope Woodberry Down, so this was our inspiration. We chose accents of luxurious greens and sumptuous blues that reflect the overall theme of the scheme, and create a relaxing and tranquil environment.

How do you think the interior design resonates with the target audience for these homes?

Woodberry Down is a great place for those buying first homes, so we wanted to create something that is both stylish, yet understated and contemporary without being too modern. The design incorporates a large sofa perfect for relaxing and chilling out at home, with additional stylish modernist pieces that won’t date. The large dining table provides an inviting entertaining space for friends and family once we’re allowed to do so again, or somewhere to recreate a restaurant experience at home. In the meantime, it’s a fantastic pop-up "office from home" and the large wooden media unit in the living area also reflects the natural aspects of the landscape, yet its style is smart and urban.

What ideas did you have to maximise the available space in the home?

We were keen to showcase how each room can offer more than just one use. By placing a corner desk in bedroom two, we show how you can easily set up a home office area and still enjoy a double bedroom. The living/ kitchen/dining area is spacious and light yet offers different spaces to work, eat or relax.

The large cupboard in the hallway is dressed to demonstrate how much storage there is, with plenty of room for shoes and coats – you always need extra space for shoes and coats! There’s even a huge floor length mirror to check yourself out before you leave.

Have you had to adapt your designs to incorporate the changing needs of homebuyers (workspace, different zones for relaxing, space to work out/exercise, mood-boosting colours or ways to highlight windows etc)?

Creating space to work from home is important, as so many residents would normally be taking advantage of the fantastic communication links from Woodberry Down into the centre of London. The deep teal green of the sofa is a particularly grounding and relaxing colour when the working day is done. The balcony is an oasis of plants, with plenty of seating to step out of the apartment and enjoy some fresh air. Accessible from both the lounge and the bedroom, it’s a serene way to let the outside in whenever you want to.

Do you have a favourite room in this show home?

We love all the rooms, it’s like having to choose your favourite child! If pushed it would be bedroom one, the wallpaper is so calming yet has such an interesting texture and the bed and headboard just begs to be slept on! The unusual statement light is achingly on trend and the wall-to-wall headboard is the ultimate in aspirational boutique hotel style.

As an interior designer, what would be your top tips to help first time buyers make the most of their new home?

Measure, measure and measure! Really think about the layout, how to get the most out of it without doing too much and map out the size of the furniture before you buy.

For the big expensive items, go for contemporary pieces that won’t date and then go mad and express yourself through the use of accessories that can easily be changed – wall art, stylish shelving units and candles are all great pieces. This is an affordable and effective way to enhance the colours you choose, and easily changed.

There’s an interesting resurgence in changing cushions and throws and accessories from a winter set to a summer set. This was very popular mid-century when women were far more likely to be at home full time and it gave them a welcome change to the interior. With so many of us spending more time at home it’s a welcome change of scenery and certainly something to try as summer is around the corner.

oasisinteriordesign.co.uk

INVESTA

Levett Fields show home for Optivo Homes

Gemma Roberts, Senior Interior Designer at Investa

Gemma is a Senior Interior Designer at Investa and has a natural flair for playful, yet luxurious spaces filled with intriguing pieces. Her Interior Architecture degree is evident in the cohesive, considered interiors she creates, with art being an integral focal point of her projects. Gemma draws inspiration from her travels and her passion for beautiful architecture.

What was the inspiration for your design scheme?

The inspiration was heavily influenced by the local area, including the nearby countryside of the Sussex Downs, and cosmopolitan Brighton. I was also inspired by the luxury countryside

retreat Soho Farmhouse, as I love the eclectic mix of furniture, woods and patterned prints. Soho House’s hotels and restaurants are always homely and comfortable while still being very designled and stylish.

This inspired me to be creative with colours and styling, while creating a calm and comfortable family home. Overall, the design exudes bold splashes of colour, industrial chic vibes, and classic British countryside style.

Why did you choose the particular colour palette?

I opted for a warm and welcoming colour palette of deep green, teal blue, mustard yellow, and brick red inspired by the colour and vibrancy of nearby Brighton. I then paired these bold wall colours with more neutral and muted furniture and accessories.

I chose this palette, as the combination of the warm tones and the more neutral colours appeal for a family home with a mix of different personalities and tastes.

As an interior designer, how do you go about putting yourself in the shoes of a first time buyer and bringing their dreams to life?

I’m always very conscious of first time buyers’ budgets so try to make sure the interiors are inspiring but realistic. And when designing a show home I try to imagine who may live there; I think about how they will live in and use the space and how I can furnish it to best reflect this.

For example, I imagined the family in this home to love the outdoors and to be very outgoing, so I represented this in various chosen accessories and artwork to add personality and individuality.

How did you maximise the available space in the home?

In the living room, I wanted to take full advantage of the full-width doors and the excellent view of the garden and surrounding woodland, so positioned the furniture in a way that best showed this off and wouldn’t block any of the view or light.

To maximise space, I balanced the furniture, so it did not overpopulate the room. I added a mirror to every room – a clever trick to help bounce and spread the light, and in the living room and main bedroom I specifically positioned them in a way that reflects the garden and sky, helping that connection with nature.

In the children’s room I was able to maximise the space by including different zones so the child could enjoy their space at different times of the day, including sleeping, studying and dressing areas.

The house has lots of in-built cupboards, but I was able to increase the storage further by selecting furniture that offered additional shelving or enclosed cupboards and drawers throughout. You can never have too much storage space!

If you had to choose your favourite part of the design, what would it be?

I love the art in the living room – my favourite piece is the vintage illustrated bugs artwork. I saw the family in this home enjoying time together in the garden and nature, so it just seemed the perfect design for them. It also worked perfectly with my colour palette!

I also love the wall-mounted skateboards in the children’s bedroom styled with all the personal items. I enjoyed sourcing these pieces and thinking about what trinkets and accessories a potential buyer and their family might identify with.

Now people are using their homes for

more, (working, exercising, relaxing), what would be your top tips on how to get the most out of the space you have in an apartment?

If the living area of your home is open plan, use furniture and paint to distinguish areas of the room. For example, colour blocking around a desk in the corner of the living room shows it’s a dedicated work area.

It’s important to create a flexible living area too, especially when space is tight as it often is in apartments. Some moveable furniture is always beneficial, such as a lightweight ottoman which doubles up as extra seating when hosting friends or as a coffee table. It can then be completely moved out the way if you want your living area to become your fitness studio!

If your desk needs to be in your bedroom, opt for a desk that has built-in storage so you can pack away your laptop and paperwork when you are finished. This will help to maintain a sense of calm in the bedroom.

What advice would you give to a first time buyer in order to achieve a budget-friendly design in their home?

I recommend keeping the use of wallpaper to a minimum and instead opt for using paint. It’s more cost-effective and you can be just as creative with fun colours and patterns.

I would also recommend trying to create a timeless look that doesn’t rely too much on current trends. With larger items, such as the sofa and the beds, I suggest sticking to neutral colours and use colour and pattern on the walls or in accessories that can be easily changed. This way the big items can always be teamed with different items to create different looks and styles in the future.

It’s also important to decide what the focal point of each room is going to be. Whether it’s a feature wall, a favourite piece of furniture, or memorable artwork, working out what you want will help you decide where to spend your money.

FURNITURE PACKS

If you’re looking to furnish your first home, furniture packs are a great option. They’re tailored for you and your home and can offer you a selection of great furniture pieces from sofas to bedside lamps to get you settled as quickly as possible. It also means all your furniture will arrive at the same time, so no long waits for deliveries, and it’ll all be styled by an interior designer too! For more information, visit investa-london.co.uk and keep your eyes on our social media pages for the launch of our new collections very soon.

FIRST TIME BUYERS ENJOY THE INSTAGRAM EFFECT AT MANOR PLACE DEPOT

The fascination with styling our homes is at an all-time high, and homebuyers across the UK are now using social media to keep their followers up to date with their moving plans and home design creations. For young couple David White, 30, and Mark Russell, 32, having been long-term London renters they decided it was time to get on the property ladder together. Through using their own award-winning home design blog Forward Features, they have shared their exciting move into a new home at Manor Place Depot in Elephant and Castle. With the support of Notting Hill Genesis’ shared ownership scheme, David and Mark have successfully purchased a stylish two bedroom apartment located within one of the capital’s most sought-after Zone 1 locations.

First time buyers David and Mark explain, “We started our interiors blog around five years ago, and decided to talk about our experience of living together, how you can make a rented home your own and discussing interior news and design, while running our Instagram account, @forwardfeatures, alongside it. It’s been such a great platform to be able to share our journey, and how we have managed to go from renting to buying a home of our own – our followers really seem to be enjoying seeing how we style and design our home. "As we both work in interior design we were itching to do our own thing and put our creative stamp on a property. We had been renting together in Peckham in a house share with friends and decided by sharing living costs it would give us the financial flexibility to start saving the money we needed to buy our own place.” PR and Social Media Manager David said, “My goal was to own a home by the age of 30, I had some savings and opened a Help to Buy: ISA. We were sensible but not too strict, we cut back on things like holidays and any big purchases, and after two years we had managed to save our deposit.”

Brand Advocacy Manager Mark continues, “We received an email about Manor Place Depot from Notting Hill Genesis, and we booked into one of the open days and were shown around the marketing suite and viewed the show apartment. We were shown the plans for the whole development and the different apartments we could buy. At this point we still didn’t actually know what we could afford but they had a financial adviser in the marketing suite, so we sat down with her and she was great! As first time buyers we didn’t have any idea about the buying process, and much less about shared ownership, so it was great to have someone we could ask all those obvious questions to and not feel silly. We arrived expecting to just have a look around, and left pretty much knowing we were going to buy there. We were nervous, it is the most expensive thing we are ever going to buy – we couldn’t view the apartment as we would be purchasing off-plan, and some areas of the development were still being built. We talked it through and weighed up the pros and cons, and soon realised that we would probably never have another chance to live in such a

central location, with a Zone 1 station within walking minutes from us – it just seemed a bit too good to be true.”

Explaining about choosing to use the shared ownership scheme, David says, “We had no preference on using Help to Buy or shared ownership, it all came down to what we could afford. We have a couple of friends who have used shared ownership, so it was good to talk to someone who had been through it. As first time buyers, the whole process can be really confusing, so being able to talk about it gave us a much better understanding and we ended up being able to do something we never thought would be possible. We purchased a 30% share in a two bedroom apartment with a full market value of £570,000, using a 20% deposit. Our monthly mortgage is £587, the rent, service charge and ground rent are £520 so our total monthly outgoings are actually slightly less that what we were paying to rent a one bedroom apartment in Tooting.”

Talking about their new home, David explains, “Having purchased off-plan, when we finally got to see our apartment we were absolutely bowled over! It was lovely and spacious, and we have our own balcony where we can see The Shard, and from our bedroom we can see The London Eye. We have loved making this place our own, but we tend not to rush into purchases and really think about what will work. We save up for pieces we really want and that way it’s much more of an investment – it makes our home that bit more special. We've set up a desk area in the living room which is our main office space, but we also have the bedrooms to escape to should we both be on work calls. Or, when the weather is nice, the balcony makes a great makeshift work area – sun and Skype, what's not to love! Working from home has given us the perfect opportunity to think about new design ideas, share our inspiration on our blog and Instagram and how best to utilise the spaces while we are both working from home – something our followers have really engaged with.”

Mark adds, “Manor Place Depot is such a lovely place, especially the way the railway arches have been incorporated, and even though it is a new build development it works really well with the local area – it feels like ‘old London’. From our bedroom window we can see the old clock towers, and the chimneys from the old swimming baths. We are really excited to see what businesses go into the arches, it would be lovely to see some local retailers go in there. We can easily walk to both Burgess Park and Kennington Park, also Mercato Metropolitano is just down the road, and is full of different places to eat and drink. There are some really nice historical places nearby too – Pullen Buildings and Gardens is five minutes away, and if we want to get out of the area, London Bridge, Waterloo and Vauxhall are only 20 minutes away by train – we can literally get anywhere at any time of the day or night.”

Sharing their thoughts on the shared ownership scheme, “Without shared ownership, it would have made it much harder for us to buy in London. We're really grateful for the scheme as it meant we could get on the property ladder quicker and with much more ease. Also, going for shared ownership in a new development made the first time buying experience stress-free as there was no chain. We would definitely recommend it to friends (and already have!). A lot of our friends and people we chat to about buying in London think it's impossible, but once you've got that deposit saved, there is no reason you can't do what we've done. We still feel so lucky, we never thought in a million years we would have such a fantastic home.”

For more information about Manor Place Depot or any other developments by Notting Hill Genesis, visit manorplacedepot.com or nhgsales.com or call 020 3815 2222

TOP TIPS FOR STYLING YOUR HOME ON A BUDGET

It’s super easy to decorate well on a budget. When moving in we prioritised a few important buys such as our sofa from Made.com and bed and mattress from Eve. We then scoured different places for our furniture. From go-to’s like IKEA and Habitat to charity shops, markets (Peckham Salvage Yard is fantastic) and even online furniture specialists like Upteriors where we sourced our vintage G Plan sideboard for a fraction of the normal price. We’ve also revamped our hallway from a blank white space to a boutique-hotel feeling entrance. This cost around £100 and includes faux Shaker-style panelling which was easily created using pre-cut MDF strips, a bit of imagination and some dark green paint from Lick. Who says you can’t bring a period feel to a modern new build? For anyone unsure of where to start, we always recommend to just live in the space for a while. Don’t feel like you need to move in and paint straight away – hang art, mount shelves and furnish with what you have. As you live in the space you’ll start to realise what you need or would like to change and the space will slowly evolve around you. Also, remember that paint can be covered, so be brave and go for it!

David White and Mark Russell Interior design bloggers, @forwardfeatures forwardfeatures.net

INKO, THE DESIGN ARM OF HATCH INTERIORS

Boulevard show home for Peabody

Danielle Gold, Interior Designer at Inko

Danielle honed her interior design skills with one of the world’s most iconic furniture retailers – working for eight years for IKEA. She was frequently recognised for her talents, winning a trip to Sweden and recognition as co-worker of the month, and being selected for the IKEA management programme.

Since joining the Inko team at Hatch, Danielle has applied her creative flair to the design of unique items of furniture, creating bespoke interiors for private homes, and even developing schemes that are delivered through hundreds of apartments for leading Build to Rent operators. A recent show home design was featured in The Times.

Danielle’s exceptional organisational skills help her to balance the needs of clients and contractors. She gets her inspiration and product knowledge from attending furniture shows across the world, from Shanghai to Paris. When she isn’t designing or travelling she is mum to two young boys – whose jungle-themed bedroom is the envy of their friends.

Esther Jackson, Senior Interior Designer at Inko

Esther Jackson designs stylish interiors for private homes, hotels, whole apartment complexes, show homes and even funky communal spaces such as a games room and doggie parlours, working on the whole

project, from mood boards to final styling.

Esther has worked at Hatch for five years, starting as a junior designer fresh out of university. Her favourite creative trend currently is "artisan" with its combination of handmade ceramics with textured fabrics, wicker baskets and greenery. “I love it for the way it brings together crafts from all over the world,” she says. Esther currently lives in the house that she bought as a first time buyer, she describes her ideal home as, “A converted barn with stable block and exposed brickwork – minus the horses!”

Challenge

The brief was to dress a one bedroom show apartment to reflect the target audience at Boulevard, Royal Warwick Square in Kensington and Chelsea. The scheme should also aim to showcase space to work from home, while also offering a charming and elegant feel, showing buyers how to maximise the potential in their home on a first time buyer budget.

How did you come up with the design inspiration for Boulevard?

We designed it to reflect the luxurious surrounding areas of London’s Kensington and Chelsea. Inspiration was drawn from local tourist hotspots such as Kensington Palace, Holland Park and The Memorial Fountain to name a few. The apartment has an exquisite and luxurious feel while also retaining an attractive appeal to the first time buyer market.

We wanted to inject the elegance and sophistication synonymous with this area of London into the apartment by creating a bold entrance hallway, leading into a tranquil living and bedroom space. We introduced bespoke panelling, white marble and gold accents, all of which have been drawn from Leighton House Museum for inspiration. Luxurious wallpapers reflect the natural surroundings, and the addition of greenery really helps to create a relaxing atmosphere throughout. We incorporated a clever but functional area to work from home within the living space.

How did you maximise space?

We wanted to incorporate a working from home station into the design, however we felt that this was our opportunity to be clever and maximise space by building it into the bespoke wall panelling. This created a smart and functional work area that has been tailor-made without compromising too much floor space.

In addition to this, we sourced multifunctional furniture pieces such as the coffee table, that can be adapted to use as a footstool or for additional seating for entertaining. We also included a large writing desk in the bedroom that can be used as a dressing table also.

As an interior designer, how do you go about putting yourself in the shoes of a first time buyer and bringing that to life?

Having been first time buyers ourselves, we understand the importance of first impressions and how important it is to capture the interest of buyers within those first few moments of entering a property. As designers, we aim for aspirational but achievable design that buyers can recreate in their own homes. We strive, no matter how small the budget, to create designs that excite, inspire and encourage first time buyers to purchase their first home.

What design trends are you seeing at the moment, and do you think these would be different if we weren’t in a pandemic?

With all the uncertainty in the world, this has definitely impacted the way that people live their lives. As a result, we have found that working from home hubs have become a necessity rather than a "nice to have” feature in our home designs. This needs to be a versatile and functional working environment, yet one that can be disguised for evening and weekend relaxation.

Colour selection is another big influence. Soft, muted neutrals are paired with bold splashes of colours to create a relaxing and uplifting atmosphere. The neutrals act as a foundation of stability and security, while the brighter hues represent optimism.

If you had to choose your favourite part of the design at Boulevard, what would it be?

The bespoke wall panelling to the living room is our favourite design feature, inspired by the history locked into Leighton House Museum. Being both decorative and functional, the panelling moulds blend effortlessly into a workspace to create a cosy and usable work corner. The statement wall adds sophistication and dimension to the room as well as being a nifty way to display accessories.

Now people are using their homes for more, (working, exercising, relaxing), what would be your top tips on how to get the most out of the space you have in an apartment?

When it comes to storage, think clever and practical. We all know that hobbies need storage, and that stuff needs a home, whether it be books, paints, yoga equipment etc. Introduce multifunctional furniture pieces like a coffee table, that can double up as a footstool with concealed storage, or high wall shelving that can both display and store your personal belongings. It's about just being practical but also thinking outside the box when it comes to defining areas and creating clean lines.

What advice would you give to a first time buyer in order to achieve a budget-friendly design in their home?

Think smart. Be brave. Opt for a bold paint colour to inject personality throughout your home.

Add detailing to create depth, such as brass beading or decorative panels to create a warm and inviting atmosphere. Choose oversized artworks instead of wallpaper to add interest and choose effective accessories that inject colour or draw the eye to an area of a room – things like these are very effective without spending the pennies!

hatchinteriors.co.uk

SUNA INTERIOR DESIGN

Ironworks show home for Hill Group.

Rebecca Hunt, Director and Owner, Suna Interior Design

Rebecca Hunt is a Director and Owner of Suna Interior Design and continues to bring her innate creativity to every aspect of the business. If she’s not adding her expertise to the designs heading out of the studio you’ll find her scrutinising the financials, waxing lyrical on the blog or finding another opportunity to shout about their work on each and every platform out there.

Helen Fewster, Director and Owner, Suna Interior Design

Helen Fewster is a Director and Owner of Suna Interior Design and spends much of her time brainstorming schemes and challenging the design process with the team. Her experience, drive and enthusiasm are obvious to all who work with her. Get her talking and she can chew your ear off for hours, whether it’s about a project, the latest product on the market or the last awards she’s judged.

Helen Fewster, Director at Suna Interior Design comments, “We had an amazing opportunity to do something a little bit different at Hill’s Ironworks development in Cambridge. The local area near Mill Road offers a vibrant fusion of vintage furniture shops and a thriving local community that has a strong connection with creativity. We really wanted to echo this in the design, so we purchased items from the local shops that provided vibrant punchy pops of colour and quirky accessories – aiming to create an individual design with a contemporary/vintage twist to the show home. Reclaimed furniture pieces like the cameras, the records, the mirrors, the dining furniture and the coffee table trunk were all purchased locally and really add a sense of drama and coolness to the home. There is a growing desire for home designs to be more sustainable and homebuyers are much more conscious of living more environmentally friendly lifestyles – what better way to incorporate this than by upcycling old pre-loved items and giving them a new life for a new generation.”

Rebecca Hunt, Director at Suna Interior Design adds, “When it comes to first time buyers, the secret is to create aspirational and functional living spaces without spending a fortune. As interior designers we are tasked to provide designs that will appeal to the target audience, and for first time buyers it is important to create spaces that are just as inspirational and lavish, yet are still achievable when working to a budget. Using bold punchy colours in one area can bring a sense of effortless style into the home, yet keeping the rest of the room light and bright can help create a sense of space and light, especially within apartments where space can be limited. "Typography prints are a great and inexpensive way to make a statement on a wall, home accessories that tie in with the chosen colour scheme are also an easy way to add accents of colour throughout, and space-saving furniture that can double up as a desk and table or workspace will help to keep clutter to a minimum. For buyers who are stepping into their first home, it can often be an overwhelming experience where you might not know where to start! "Colours, paint, wallpaper, accessories, furniture, wall art, pictures... take each one room by room, assess the space you have and try to get the most out of it. Don’t be afraid to be bold and think about your end result and how you want it to look. Create a mood board, adding things that inspire your design – this will make it easier to see what tones and colours will work well, and perhaps what won’t. Once you start, you will find things do start to fall into place, and best of all you will be able to sit back and admire your own hard work too!”

STEP ON TO THE PROPERTY LADDER WITH BARRATT HOMES

If you are dreaming of buying your first home in any of these stunning parts of the country then Barratt Homes is here to help. These historical and beautiful towns create a wonderful balance of town and country living. You can find out more at Barratt’s virtual event on 19 June – a definite date for the diary!

NORWICH

Norwich is the county town of Norfolk and has a population of around 130,000. Its most famous landmark, Norwich Castle, now a museum and gallery, was built by the Normans 900 years ago. The Romanesque cathedral has the second tallest spire in the UK.

Major stores include John Lewis, M&S and Primark, and there are two malls. Norwich Lanes, Cathedral Quarter and Magdalen Street are packed with independent shops, while the awardwinning department store, Jarrold, dates from 1770. Norwich Market is open six days a week. Recognised as the most veganfriendly city in the UK, Norwich has a great range of eateries.

Direct trains run to London Liverpool Street, taking just under two hours, while the A11 provides easy access to Cambridge and the ports of Felixstowe and Harwich are quickly reached by car.

NORWICH

Woodland Heath

FROM £281,500

Woodland Heath is a new collection of two, three and four bedroom homes in Sprowston, a small town on the outskirts of Norwich. Boasting, shops, restaurants, healthcare and a number of Outstanding and Good Ofstedrated schools, Sprowston is a popular town surrounded by countryside.

Road links are excellent to Ipswich, Norwich and Thetford, while the tiny Salhouse station, three miles away, offers services into Norwich in 12 minutes and to the coastal town of Cromer in less than 40 minutes.

Homes currently available include the threebedroom Maidstone, a semi-detached home with two parking spaces. On the ground oor there’s an open-plan kitchen/diner with French doors leading to the turfed rear garden, while upstairs there’s a main bedroom with en suite, a family bathroom, second double bedroom and a single room.

https://bit.ly/3eHajXi

NORWICH

Cringleford Heights

FROM £299,995

Set in the rural village of Cringleford, proud winner of the Norfolk Village of the Year competition for the past six years, Cringleford Heights is a brand new development of three and four bedroom homes.

The village location includes an Ofsted-rated Outstanding primary school, shops, healthcare facilities, pubs and a social centre, while being just three miles from Norwich city centre with its railway station for services to London.

Homes include The Moresby, a three bedroom semi-detached house featuring a generous living room leading to a spacious open-plan kitchen/diner, with integrated appliances, and French doors leading to a turfed rear garden. Upstairs, there’s an en suite to the main bedroom, a second double bedroom and a single room, as well as a family bathroom. This home also comes with two parking spaces.

NORFOLK

Wayland Fields, Thetford

FROM £241,995

The attractive market town of Watton is home to Wayland Fields. These three and four bedroom homes have the best of the Norfolk countryside on the doorstep. Around 25 miles away from both Norwich and Bury St Edmunds, there is easy access to walking and cycling trails in Thetford Forest and the watery natural wonderland of The Broads is just an hours drive.

With good schools and amenities close by, Wayland Fields offers an excellent standard of living, with large family homes at rst time buyer prices. The Simmons is a four bedroom detached home featuring a spacious open-plan kitchen/dining area with French doors leading out to a turfed rear garden, plus a spacious living room on the ground oor. Upstairs, you will nd the main bedroom with en suite, a family bathroom, a further double bedroom and two single bedrooms. This home has a garage and two parking spaces.

https://bit.ly/3bo49JK https://bit.ly/2RUta8A

RED LODGE

Hunter’s Chase

FROM £323,995

Red Lodge is a thriving village dating back to 1926 when the first houses were built and is fast becoming a growing community. Just houses were built and is fast becoming a growing community. Just 12 miles away from Bury St Edmunds, an historic cathedral town in 12 miles away from Bury St Edmunds, an historic cathedral town in Suffolk and home to around 42,000 people which was once the most Suffolk and home to around 42,000 people which was once the most famous pilgrimage location in the country. Today it is a picturesque famous pilgrimage location in the country. Today it is a picturesque town full of independent shops and with a thriving cafe culture. town full of independent shops and with a thriving cafe culture.

Around 200 shops line the medieval streets and Georgian squares at the heart of the town, while the twice-weekly market, running at the heart of the town, while the twice-weekly market, running for centuries, attracts thousands of shoppers each week. There are for centuries, attracts thousands of shoppers each week. There are big name stores too, in the ultra-modern Arc shopping centre which big name stores too, in the ultra-modern Arc shopping centre which includes the Apex music and art venue. includes the Apex music and art venue.

The town is full of history to explore, from the magnificent St Edmundsbury Cathedral and the ruins of the Abbey of St Edmund to Edmundsbury Cathedral and the ruins of the Abbey of St Edmund to the Theatre Royal, the sole surviving Regency Theatre in the country. the Theatre Royal, the sole surviving Regency Theatre in the country. Bury boasts three listings in the Michelin Guide, including the oneBury boasts three listings in the Michelin Guide, including the onestarred Pea Porridge with its Mediterranean cuisine. It’s possible to starred Pea Porridge with its Mediterranean cuisine. It’s possible to commute to London in less than two hours. commute to London in less than two hours.

Hunter’s Chase, in the growing village of Red Lodge, is 90% sold, with a handful of three and four bedroom properties remaining. Nearby Red Lodge Heath is a Site of Special Scienti c Interest with rare plants and insects while Thetford Forest Park is a 15-minute drive.

The Norbury, a three bedroom semi-detached house over three storeys, has an open-plan living room with French doors to the garden, plus a separate kitchen. The rst oor features two double bedrooms and a bathroom, while the main bedroom, dressing area and en suite occupy the entire second oor. The Norbury includes a garage and two parking spaces.

https://bit.ly/3w4PQ4I

CAMBRIDGE

CAMBRIDGE

Trumpington Meadows

Trumpington Meadows is an award-winning development three miles from FROM £324,995 Cambridge city centre, set in 148 acres of country park. The railway station is two miles away, while the nearby M11 gives good access to the surrounding area. The development has a primary school and two supermarkets within walking distance, as well as having easy bus links to all the amenities that Cambridge has to offer.

One and two bedroom apartments are available, each with a private parking space and French doors leading on to a balcony. The one bedroom homes have a large bedroom, a kitchen/dining/living area opening on to the balcony and a generously sized bathroom. Two bedroom homes have a pair of double bedrooms, one with an en suite, plus open-plan living space and a family bathroom.

https://bit.ly/3bkxpks The university city of Cambridge has a population of around 158,000, and the city’s many business parks are full of high-tech companies and cutting edge research institutions, including AI specialist Microsoft Research. There’s plenty of history too – you can explore Cambridge’s ancient university buildings, including the stunning gothic King’s College Chapel, or go punting along the river. Alternatively, enjoy some retail therapy at Cambridge’s daily market, visit its three shopping complexes or explore the quaint shops around the narrow, cobbled streets at the heart of the city.

Cambridge has a vast supply of bars, clubs and pubs, many specialising in real ale, as well as a good range of eateries, from street food to the two-Michelin-starred Midsummer House, where you can eat French cuisine overlooking the River Cam. For commuters, direct trains run to London taking around an hour.

STEP ON TO THE PROPERTY LADDER WITH BARRATT HOMES

Join Barratt Homes’ virtual event to nd out all you need to know about the Help to Buy: Equity Loan* and how we can help you buy your rst home. We will be showcasing our stunning new homes in Norfolk, Cambridge and Suffolk and an independent nancial advisor and solicitor will be on hand to share guidance on your rst move. There is also a Q&A session at the end! An event you won’t want to miss – Saturday 19th June. Register today 10.30am 2.30pm https://bit.ly/2R6RQKZ https://bit.ly/33F7lMH

*Help to Buy: Equity Loan – Terms and conditions apply. Applicants should seek independent nancial advice, and get information and guidance on applying for a Help to Buy: Equity Loan at helptobuy.gov.uk.

HOTspotReading

Perhaps best known for its annual music festival, the county town of Reading does in fact have plenty to offer its residents all year round. Living and working in the town delivers the experience of urban life, with the added benefits of beautiful countryside and waterside views

5 REASONS WE LOVE… READING

1. Incredible transport links 2. The stunning Reading Abbey 3. Close proximity to water and green spaces 4. An excellent university 5. The world’s longest-running rock festival

UNDER THE SPOTLIGHT

Located in the Thames Valley in Berkshire, Reading is the largest town (by population) in the United Kingdom with nearly 350,000 residents. Many would argue it should be a city and, in fact, it’s not for want of trying. But what Reading lacks in status, it makes up for in abundance, with those living in the town enjoying a wealth of amenities.

Founded on the banks of the River Kennet, Reading’s history dates back to the eighth century. By medieval times it had become one of the most important locations in Europe thanks to Reading Abbey, built by King Henry I of England. The town went on to become an important trading centre and one of the wealthiest areas in England, made rich through trading cloth and, later, through brewing and its iron works industry. The manufacturing industry expanded in the 19th century when railways were constructed. The town has continued to grow steadily since and remains an important centre of commerce, as home to 13 of the world’s top 30 largest global brands, including Microsoft, Cisco and Pepsico.

Reading is one of the best-connected towns in the UK, with excellent transport links to the capital; perfect for commuters. Trains run from Reading to London Paddington approximately every ve minutes, with a fast service taking only 25 minutes. Direct trains to London Waterloo take around an hour and there are direct services to Oxford, Bath, Bristol and Wales too. Reading West, Tilehurst and Earley train stations also serve the town, with Green Park due to open very soon as part of the Crossrail service.

By road, the M4 motorway skirts around Reading, serving it with three junctions, and linking it to the M25. The M40 and M3 are also within easy reach. Congestion can be an issue in the centre of town, but park and ride services are a sensible alternative. Reading’s bus services are award winning, linking Reading station, business parks and main residential areas with central Reading through a contactless ticketing system.

Cyclists are well-served with the banks of Reading’s waterways providing excellent cycleways, and major investment in extending dedicated cycle routes across the town. The Readybike scheme allows visitors to rent bikes from more than 20 different locations, with most journeys in Reading achievable in 20 minutes by bike.

Reading is proudly multi-cultural, thanks in part to its student population, with more than 150 languages spoken in the town. There is also a large population of Polish residents, with a community that was established over 30 years ago. Employment rates in the town are high and while many residents commute to London for work, there are plenty of excellent employment opportunities more locally; wages in Reading are the highest in the UK outside of the capital.

Reading remains popular with rst time buyers looking for an enviable lifestyle with an affordable price tag, and there is a huge choice of housing on offer, including over 5,000 new homes due in the next ve years. The town centre is perfect for those planning to commute or wanting a busy atmosphere while Caversham, just a mile out of Reading, is ideal for those looking to live out of town but with easy access. Earley, on the other hand, is particularly popular with young families, likewise Woodley, the largest suburb in Reading, four miles east of the centre, which is a community in its own right with a bustling high street and plenty of leisure facilities.

Reading’s bus services are Reading station, business parks and main residential areas with central Reading through a contactless ticketing system. The town centre is perfect for those planning to commute or wanting a busy atmosphere while Caversham, just a mile out of Reading, is ideal for those looking to live out of town but with easy access. Earley, on the other hand, is particularly popular with young families, likewise Woodley, the largest suburb in Reading, four miles east of the centre, which is a community in its own right with a bustling high street and plenty of leisure facilities.

OUT AND ABOUT

Reading is a major shopping hub boasting the full quota of high street stores and the full quota of high street stores and eateries between The Oracle arcade and eateries between The Oracle arcade and Broad Street Mall, which punctuate the Broad Street Mall, which punctuate the town’s main pedestrianised shopping street. town’s main pedestrianised shopping street. Three smaller arcades, the Bristol and West Three smaller arcades, the Bristol and West Arcade, the Harris Arcade and The Walk, Arcade, the Harris Arcade and The Walk, offer smaller, more specialist shops. Reading offer smaller, more specialist shops. Reading has been a Fair Trade Town since 2004, led has been a Fair Trade Town since 2004, led by Reading International Solidarity Centre by Reading International Solidarity Centre (RISC) which has its own shop and cafe. (RISC) which has its own shop and cafe. There is a street market held in Hosier There is a street market held in Hosier Street, food markets twice a week at Market Street, food markets twice a week at Market Place, and a famers’ market that is held for Place, and a famers’ market that is held for two days every month in the city centre. two days every month in the city centre.

This year we have found ourselves eating al fresco more than ever, but eating al fresco more than ever, but Reading was one step ahead of the game Reading was one step ahead of the game with outdoor dining on the river already a with outdoor dining on the river already a major attraction. Chain favourites include major attraction. Chain favourites include Comptoir Libanais, The Real Greek and Comptoir Libanais, The Real Greek and Franco Manca; perhaps the closest we Franco Manca; perhaps the closest we will get to international travel this year! will get to international travel this year! The villages surrounding The villages surrounding Reading offer some Reading offer some great dining great dining options too, options too, particularly in particularly in the form of the form of traditional traditional British British pubs. pubs. Or for Or for something something a little less a little less ordinary, ordinary, Whittington’s Whittington’s

Average property price in Reading* (February 2021) – £305,754 Property breakdown

Detached – £633,165

Semi-detached – £390,015

Terraced – £308,048

Flat – £217,748

*According to the Land Registry House Price Index

FAMOUS RESIDENTS

• Actor Kate Winslet • Comedian Ricky Gervais • Film director and producer David Lean • Actor George Clooney • Radio and TV presenter Jeremy Kyle

Tea Barge on the River Thames, is a must. Reading has a huge choice of nightlife, including bars and pubs, comedy clubs, live music venues, theatres, and even a casino, all within 500 metres of each other. The town is also host to the Reading Festival, one of Britain’s most popular music festivals, and the Reading Beer Festival, held over the May Day weekend; events enjoyed by locals and visitors alike.

For those who are keen to explore the town’s rich history, the ruins of Reading Abbey, founded in 1121, can be found in the centre of town. Similarly, Reading Minster, founded in the seventh century and still an active place of worship, is worth a visit to experience live organ and choir music. The Reading Museum is home to Victorian art and also has an impressive collection of biscuit tins – a nod to Reading’s past as one of the biggest biscuit producers in the world. For ancient history, the Ure Museum of Greek Archaeology houses one of the largest collections of Greek ceramics in Britain.

Reading’s enviable location naturally invites an active lifestyle, and where better than on the water with the many rowing or canoeing clubs. Following an extensive renovation, the Grade II listed Thames Lido, with its luxurious pool, spa, restaurant and bar, is a more indulgent highlight. Green spaces are also plentiful in the town; to the west of the Abbey Quarter, the nationally acclaimed Victorian formal garden, Forbury Gardens, is Reading’s central park and is situated on the Abbey’s former footprint. The landscaped Forbury Gardens and Caversham Court Gardens are very popular too, particularly in summer.

HOMES ON THE MARKET...

READING

Berkeley Homes at Huntley Wharf

FROM £275,000 £275,000 PRIVATE SALE

Huntley Wharf is a new landmark scheme in central Reading, offering urban and waterside living at its nest. It enjoys a prime south-facing location beside the River Kennet and is within walking distance of Reading town centre, Crossrail and train station, with London accessible in just 23 minutes.

Discovery House South is the latest collection of waterfront apartments released at Huntley Wharf, offering a mix of one, two and three bedroom apartments and duplexes. Perfectly placed on the south-facing bank of the River Kennet and beside the new Riverside Square, all the apartments are meticulously designed to maximise space and light. Most apartments come with their own outside space, with some enjoying superb views of the river or the Reading skyline.

A show apartment is available for viewing and showcases the high-quality xtures and ttings available in the homes at Huntley Wharf. Contemporary kitchens with lacquered Shaker-style doors, plus glazed crackle-effect tiled splashbacks, are available in a choice of colour palettes; complemented by compact stone worktops and a range of integrated Bosch appliances.

The spacious bedrooms are fully carpeted and the main bedrooms feature soft grey shaker-style wardrobe doors; meanwhile, Karndean timber effect ooring is included in the kitchen, dining, living area and hallway.

Set in seven acres of landscaped gardens, the scheme offers a choice of high-quality apartments and will feature a central Riverside Square with a host of amenities, including a co-working studio, concierge, proposed nursery, gym, cafe, restaurant and local store. Huntley Wharf will revitalise a key stretch of the River Kennet, providing residents and locals with a well-connected neighbourhood, and a place to enjoy a leisurely moment by the water.

For further information please visit huntleywharf.co.uk or call 0118 321 6560

READING

L&Q at Huntley Wharf

FROM £70,625* SHARED OWNERSHIP

L&Q, one of the UK’s leading housing associations and developers, is delighted to announce the upcoming launch of a brand new collection of 115 contemporary riverside one and two bedroom apartments and maisonettes at Huntley Wharf.

The rst phase of homes, due to launch this summer, will be available to purchase through L&Q’s shared ownership scheme – a rare opportunity to buy a shared ownership property at this stunning riverside development.

An ideal scheme for rst time buyers to part-own and part-rent a home, shared ownership is designed as a stepping-stone to ultimately achieve outright ownership. The minimum share you can initially purchase is 25% and the maximum is 75% – paying a mortgage on the part you own and subsidised rent on the remaining share. As your income rises, you can increase the share you own until you own 100%.

The L&Q apartments at Huntley Wharf will be nished to a high-quality speci cation with contemporary tted kitchens featuring integrated appliances. Walls will be painted in neutral colours, complemented by Karndean ooring. The majority of homes include private outdoor space in the form of a balcony or terrace. Each home has access to beautifully landscaped podium gardens. Alongside these communal gardens, residents can enjoy the outdoors at the central Riverside Square and the landscaped grounds that will feature lush lawns, a range of colourful owers and water features throughout the development.

For extra peace of mind, L&Q offers an additional two-year warranty over and above the 10- year NHBC warranty.

One bedroom homes cost from £70,625 for a 25% share with a full market value of £282,500 and a minimum deposit of £3,600. Two bedroom homes are from £85,000 for a 25% share with a full market value of £340,000 and a minimum deposit of £4,500.

For further information please visit lqhomes.com/huntleywharf

THREE REASONS TO BUY AT THE SCENE THIS SUMMER

If you’re travelling near New Cross in Lewisham, this place might be easy to miss – but take another look and you’ll be pleasantly surprised by the charming new build development emerging in the centre of an established south east London neighbourhood

Found in a humble location where Deptford meets New Cross is The

Scene, Amersham Vale – a striking, lowstorey collection of homes offering buyers a chance to get on to the property ladder with spacious one, two and three bedroom apartments and duplexes. All just within a short distance of the soon-to-return buzz of Deptford Market Yard and places like The Tapas Room and The Yoga Room, once restrictions ease.

But as well as being in the midst of a sought-after locale, The Scene has a lot to offer first time buyers looking to purchase a new home through shared ownership or Help to Buy. Here are just a few benefits…

1 MORTGAGE REPAYMENTS FROM £927*

There’s a healthy amount of renters across London who enjoy the freedom that renting a property gives. But those looking to lay down their roots in Lewisham at The Scene can expect to benefit from estimated monthly mortgage repayments from £927 (average £932.67).

Compared to many local renters who, on average, pay around £1,534 for a two bedroom home in the area, that’s an estimated saving of £601.33 before service charge, bills, and social costs. But the true value comes in being able to call your place your own and invest in a new home.

2 THE HOMELY HOMES

Similar to most new build homes, The Scene boasts quality, integrated appliances, modern specifications and thoughtful layouts – but what is unique to this development is the instantaneous homely feeling you get by being surrounded by homes that ooze character.

Brimming with charm, these apartments have been designed with you in mind, providing convenient underfloor heating to maximise the space for furniture, large windows to let natural daylight flood into the open-plan spaces, and statement kitchen finishes that become a feature piece within the home.

Two-storey apartments (duplexes) give that extra feeling of living in a house without actually living in a house; creating even more space to make your mark on with the addition of a staircase and front patio area.

3 GREENER GREEN SPACES

Opposite a local allotment, buyers at The Scene can be inspired to “go greener” and make the most of open and smaller green spaces nearby. Enjoy growing vegetables, fruit and plants on private balconies, and have fun cooking up a storm with plenty of work surfaces in your new kitchen.

Greenwich Park is a short cycle (and slightly longer stroll) from Amersham Vale where on a sunny day you can enjoy exploring The Rose Gardens, The Wilderness Deer Park, Tennis Centre and Royal Observatory. Or stay local with the recently created Charlottenburg Park that proudly sits beside The Scene and serves as a unifying location between the existing residential streets and the new build homes.

But even with these three reasons to buy at The Scene, there’s so much more to discover here. So, visit us at the marketing suite Tuesdays to Saturdays, book your appointment by registering your interest at TheScene-SE14.co.uk or call us on 020 7089 1274

*A £927pcm mortgage repayment is based on a property valued at £565,000 and assuming a 5% deposit of £28,250 with a 35-year repayment term based on 1.34% interest rate and a 40% Government loan. Service charge and bills are not included. Service charges on this unit are currently estimated at £179 per month. Rental data source: Dataloft, 2020. Prices correct May 2021.

QUALITY, LOCATION AND AFFORDABILITY MAKE ASCOT HOUSE THE PERFECT CHOICE

Not just another development, Ascot House by Clarion Housing offers something very special for first time buyers, providing high-specification apartments located moments special for first time buyers, providing high-specification apartments located moments from the high street and railway station and close to country parks and riverside from the high street and railway station and close to country parks and riverside walks. Lynda Clark discovers why this development is so special

I visited Ascot House on one of the first days of spring, when the sun felt warm

and lifted the spirits. I had already seen the brochure and was very impressed, but I never expected this development to have such a wow factor. It had only taken 35 minutes from London Waterloo and a quick four-minute walk from the station and I was there, enjoying the glorious Surrey location of Staines-upon-Thames.

An impressive new plaza fronts the striking main building, offering an area to relax and unwind. There are 104 studio, one and two bedroom apartments available through shared ownership and each has been cleverly designed to maximise the space with thoughtful layouts designed for today’s very different lifestyle needs.

The specification is outstanding, and each apartment features Amtico flooring, underfloor heating throughout and a wholehouse ventilation system. I loved the floorto-ceiling windows which let lots of natural light into each room and sliding doors open out from the kitchen/living areas on to large timber-decked balconies or paved terraces. I could imagine sitting outside on a warm summer evening enjoying the view and sipping a cooling drink.

The kitchens come with high-end integrated appliances and the space has been cleverly thought out so it can easily be adapted, whether that is for a functional home-working area or space to entertain friends and family. Bedrooms are spacious and masters come with an en suite shower room. Both the en suite and the main bathroom have a useful heated towel rail, overhead showers plus an additional hand-held shower – who could ask for more? There is plenty of storage space too, with a very large cupboard in the hallway which would happily home all those things you need to stash away out of sight. There is also a video entry system – perfect for added security.

Then the wow factor got even more ticks in the box as I went up to the private residents’ podium garden and to the ninthTOP CHOICE ★★★ EDITOR’S

floor landscaped roof terrace with fabulous views – perfect places to relax or meet the neighbours. It just couldn’t get any better!

I went for a little stroll to discover the local area. The high street offers an excellent selection of shops, restaurants, cafes, a 24/7 gym and a cinema all on the doorstep. There is a monthly farmers’ market selling fresh local produce, street food and crafts and if you enjoy getting out and about there are lots of lovely green spaces nearby including Colne Valley Park with its moors, woodland, rivers and reservoirs. The river provides a great focus for leisure and sports, with Thameside paths for walking and cycling, as well as boating and rowing. Waterside footpaths take you on a nine-mile scenic trail all the way to Windsor.

Staines-upon-Thames is so well served by travel connections that it makes for a fast and easy commute to central London. The A30, M25 and M4 are all within easy reach too, and will connect you to the UK’s motorway network.

If I was a first time buyer I would certainly be snapping up one of these homes – they are quite stunning and in such a perfect location I know that I would be embracing the perfect lifestyle choice – home sweet home!

Prices at Ascot House start from £76,250 for a 25% share with a full market value of £305,000. For more information or to arrange a viewing please visit the website or call 0333 363 8269.

Due to Covid-19, Clarion Housing Group is welcoming viewings by appointment only and adhering to Government guidelines to ensure the safety of potential buyers and staff.

WHAT IS RENT TO BUY?

For millions of people across the country, getting on the property ladder can feel like an impossible dream, with house prices too high and rents too much to leave room for any savings towards a deposit!

Artifex – the new Rent to Buy development on the edge of Manchester from Willo Homes

But there are options

available. Two great schemes are Help to Buy and shared ownership, both of which can massively increase the chances of achieving that homeownership dream. However, with both schemes you will still need a small deposit. So, what about those who have no deposit and whose rent is too high to save? Why not look out for Rent to Buy.

Rent to Buy is a Government- designed scheme that allows working households to rent a home at 20% below the open market rent (intermediate rent). This can provide you with the opportunity to save for a deposit to go on and purchase your home in the future.

With Rent to Buy, you can live in a high-quality, new build home at intermediate rent (approximately 80% of the open market rent) for up to five years. During that time, you can save towards a deposit.

HOW TO GET ON THE PROPERTY LADDER WITH RENT TO BUY

Owning your home is easier with Rent to Buy!

Do you dream of owning your own home but are struggling to save a deposit while paying high rental prices? If so, the Rent to Buy scheme could be the answer for you.

HELPING YOU BUILD UP THE DEPOSIT YOU NEED

With Rent to Buy, you will be able to rent your new home for 80% of the market rate for up to five years. The lower rental payments then give you some breathing room to start building up a deposit. At the end of the rental period, the money that you’ve saved can then be used to help buy your property. Rent to Buy allows you to look forward to starting life in your new home as soon as your rental agreement begins, knowing that it will soon be yours to own.

WHO IS RENT TO BUY FOR?

Saving for a deposit can be hard work, especially when you need to rent as you save. If you’re a first time buyer or returning to the property market after a relationship has ended, Rent to Buy could help you to become a homeowner. You’ll also need to be currently working or selfemployed and have an intention to buy your home in the future.

WHAT HAPPENS AT THE END OF THE RENTAL PERIOD?

At the end of the rental period you can use the money you’ve saved as a deposit to buy your home outright. If you are not quite ready to buy you can continue to rent at full market rent/intermediate rent. Or you can move out and find another property using the money you’ve saved as a deposit.

RENT TO BUY IS A FANTASTIC OPPORTUNITY TO LIVE IN THE PROPERTY AND “TRY BEFORE YOU BUY”!

Your landlord will likely be in touch to discuss your options with you at various points throughout your five-year rental period,; this gives you the opportunity to discuss the various options for buying your home or ask for advice on applying for a mortgage or the stages of purchasing a property.

Other things to think about:

When working out if you can afford to Rent to Buy, remember that as well as your rent payments and saving for your deposit, you will also have to pay for your electricity, gas, water, home insurance and council tax. Plus, you may also have to pay a service charge to look after communal areas around your home.

Most Rent to Buy properties will come unfurnished and without flooring or blinds; this gives you the opportunity to put your own stamp on the property and decide your own decor and style. Your landlord should be able to provide assistance with the flooring, blinds or furniture.

To find out more about Rent to Buy or about the stunning brand new development Artifex, on the edge of Manchester, visit willohomes.co.uk

Chris Forrester, Property Sales and Marketing Manager, Willo Homes

GET ON THE LADDER WITH SO RESI SO Resi Greenford

While it is encouraging to hear that young people will be financially better off once they get on to the property

ladder, we need to ensure that they have the opportunity in the first place to become a homeowner at an accessible cost, as for the vast majority it is simply not possible to save up for such a high deposit.

This is where shared ownership comes into its own, opening the doors to homeownership a little wider, and providing a realistic route on to the property ladder.

With just a 5% deposit required, aspirational first time buyers can purchase a minimum 25% share in a brand new SO Resi home with a deposit starting from just £4,125 at our newly launched SO Resi Greenford development in Ealing. Here, buyers have a choice of one, two and three bedroom apartments ideally located close to Greenford underground station, keeping residents connected to central London for work and play.

And it’s not just London where buyers can find a new home at an attractive cost. At SO Resi Times Square in the commuter town of Welwyn Garden City, deposits start from £2,688. This art deco- inspired development has something to suit everyone – from studio apartments to spacious three bedroom duplexes.

Aside from the attractive deposit costs, shared ownership is also a very flexible product. Buyers can simply purchase what they can afford initially, and increase New research from Halifax has shown that the cost difference between renting and first time homeownership has widened, with buyers saving on average more than £800 per year – although to benefit from this saving, first time buyers will need to find an average deposit of a staggering £58,986¹

their stake in the property as and when their finances allow, if they wish to do so. We offer our customers access to SO Resi Plus, whereby they can staircase by 1% each year for 15 years at an agreed, fixed price. Since introducing this scheme in 2017 it has proved enormously popular with our buyers, and each year 19% of our customers staircase to 100% by this method. In comparison, recent research that we carried out in conjunction with Cambridge University revealed that just 2-3% of owners staircase to 100% of the value of their property each year.

Our 1% staircasing model is a proven success, working to maximise opportunities for first time buyers, so we are pleased that the Government will offer this to all shared owners through its new Affordable Homes Programme that was unveiled in April. While we are yet to see the finer detail of how this will work, we welcome this reform and look forward to seeing more shared owners benefit from being able to staircase in smaller increments.

Shared ownership is here to stay and has never been more in demand. As house prices continue to spiral, and temporary products like Help to Buy are phased out, we need to collectively work to protect shared ownership and ensure it continues to support those who need it most: predominantly young people, most of whom are on single incomes, who would otherwise be excluded from homeownership.

SO Resi Times Square

sharedownership.co.uk

A NEW PLACE TO CALL HOME IN EAST LONDON

East London has gone through a huge transformation without losing its special charm and is now a real first time buyer hotspot. Notting Hill Genesis has three exciting developments available through shared ownership, in Walthamstow, North Woolwich and Hackney, which certainly tick every box

Coachmakers’ Yard

COACHMAKERS’ YARD

Coming soon, Coachmakers’ Yard has been built on the site of an old factory formerly named Equipment Works, which was known for building bus and coach engines and airplane parts. There are two buildings offering 48 one, two and three bedroom apartments available through shared ownership.

The wide range of apartment layouts are designed to match today’s lifestyle with modern, contemporary kitchens and boutique-style bathrooms, plus private balconies or terraces, which offer the perfect space to enjoy drinks, coffee or just take in the view. Ideally situated, the nearest underground station is Blackhorse Road on the Victoria Line, which is only five minutes’ walk away. From there you can reach King’s Cross in 13 minutes and onwards to central London via Oxford Circus in just 18 minutes. The show home is due to open in June and prices are to be announced – you can register your interest at nhgsales.com.

WOOLWICH REACH

Also coming soon is Woolwich Reach, a 14-storey building perfectly located to give amazing views of the river, the city skyline and adjacent to Royal Victoria Gardens and the athletics ground that neighbours the development.

Woolwich Reach offers one, two and three bedroom apartments and three bedroom townhouses available to buy through shared ownership. These stunning homes make the most of contemporary styling, with a high specification designed for modern living. All come with underfloor heating and a private balcony or terrace. The pretty development has lovely communal podium gardens that overlook the river and provides the perfect sanctuary to unwind and relax and enjoy the outdoor space.

Very well connected, the nearest station is King George V DLR, which is only a sevenminute walk away, from where you can reach Bank in under 25 minutes, central London connections at Canning Town

Woolwich Reach in eight minutes or London City airport in just two minutes. If you want to head south then cross under the river to South Woolwich in just 11 minutes via the Woolwich Ferry foot tunnel.

Prices are to be confirmed and to register your interest go to nhgsales.com.

HERON QUARTER II

The latest phase at Heron Quarter in Hackney offers 72 one and two bedroom shared ownership apartments situated in the much sought-after Woodberry Down development. With a superb setting facing the West Reservoir, which is an exciting sailing lake and also hosts open water swimming, you have the best of all worlds.

This development has been designed as an oasis of calm, and every apartment has been very carefully designed to make the most of natural light and space. Each home offers modern open-plan living, with high-quality fixtures and fittings and a private outdoor space. Outside Heron Quarter you will find a peaceful landscaped courtyard garden with plenty of places to sit and relax or meet the neighbours and there is also a trim trail for those who are keen to keep fit.

It’s located a few minutes’ walk from Manor House underground station with direct links via the Piccadilly Line to King’s Cross St Pancras, the West End and the City. The development is also just a short walk to Highbury and Islington station, served by the London Overground with fast connections to Shoreditch High Street, Canary Wharf and Stratford.

This area offers numerous restaurants, cafes, bars and independent shops. There are also local markets including Broadway Market, Columbia Road or Victoria Park where you can buy organic produce, fresh flowers, antiques and artisan baked goods. Head to Haringey Green Lanes to find large department stores and take a stroll down Holloway Road where you will find a great selection of vintage shops along with traditional high street favourites. If you love the idea of an early morning jog, a weekend sailing session or just a stroll then Heron Quarter offers endless opportunities to lead an active lifestyle. But, if you prefer to exercise inside, there is a 24-hour gym just a few minutes away.

Prices start from £117,500 for a 25% share with a full market value of £470,000 for a one bedroom apartment.

Heron Quarter II

UNCOVERING WEST LONDON’S NEW GREEN NEIGHBOURHOOD

Regeneration areas are often some of the best neighbourhoods for first time buyers to get on to the property ladder – especially in London, where more established areas can be out of budget

Located in Southall, west London, The Green Quarter is one of west London’s most exciting new property hotspots and Catalyst is helping first time buyers take their first steps toward homeownership here with a range of shared ownership homes at ARRO. Positioned just a 10-minute walk from Southall station on the edge of the Grand Union Canal, The Green Quarter is set to deliver 3,700 new homes and 13 acres of green space.

Enabling buyers to purchase at the start of this exciting project, Catalyst’s range of studio, one and two bedroom apartments at ARRO are putting first time buyers at the heart of this regeneration.

All homes are available through shared ownership – a part-buy part-rent scheme that allows you to purchase a percentage share of a property and pay rent on the remaining portion. The minimum share you can initially purchase is 25%, up to a maximum of 75%. You only need a deposit and mortgage for the share you are purchasing – which makes the scheme a more accessible route on to the property ladder than buying on the open market.

Through shared ownership, homes at ARRO are available with a deposit from just £3,344 – far below London’s six figure average. Providing a further helping hand on to the property ladder, Catalyst is offering a 5% deposit contribution as well as a one-year service charge holiday.

Apartments at ARRO are built with modern living in mind and finished to Catalyst’s customary high standards. Kitchens feature Commodore cabinetry, stylish yet durable worktops and fully integrated appliances, while bathrooms are finished with contemporary floor and wall tiles. All homes, including every studio apartment, are complete with a balcony or terrace – providing residents with private outdoor space.

The Lanes at Thorn Fields, Houghton Regis

The Printworks, Dunstable

Residents at ARRO will see The Green Quarter built around them. A new park, named Central Gardens, will stretch 500m in length – providing the equivalent of four football pitches worth of green space and over 250 trees. Integrated within the park will be a new playground as well as an impressive water feature flowing the length of Central Gardens.

Within The Green Quarter’s additional 13 acres of green space will be a variety of habitats for wildlife and plants to flourish, designed in partnership with London Wildlife Trust. Residents will be able to learn about the history of the site and the development’s rich ecology via information boards across the park.

Southall’s fantastic transport links make it a great option for commuters into central London. Served by TfL rail, journeys to Ealing Broadway take just five minutes, offering residents direct access to the District and Central Lines, while London Paddington can be reached in under 20 minutes. Bolstering the area’s already strong transport options, Southall is also on the future Crossrail line – the new route will link the area to Bond Street in 17 minutes and Canary Wharf in just over 30 minutes.

At ARRO, prices start from £66,875 for a 25% share of a studio apartment (full market value £267,500) and one bedroom apartments start from £76,875 for a 25% share (full market value £307,500). Two bedroom apartments start from £99,375 for a 25% share (full market value £397,500).

CANALSIDE LIVING AT EXPLORER’S WHARF

A short hop to the City, but full of its own East End character, Limehouse is one of London’s most historic neighbourhoods. Overlooking the Limehouse Cut canal, one of Newlon’s newest developments, Explorers Wharf, sits at the heart of it all. A selection of one, two and three bedroom apartments, complete with on-site concierge, is now available for shared ownership sale

On a quiet street, just a five-minute walk from the marina at Limehouse Basin,

Explorers Wharf brings you contemporary apartments designed around attractive landscape gardens and walkways, adjacent to Limehouse Cut, London’s oldest canal.

Responding to the clean-lined modernism of the building, the contemporary interiors are as refined as they are functional. Designed for relaxing but also for those days when you choose to work from home, these light-filled apartments impress with their attention to detail.

Open-plan living areas with floor-toceiling windows give views down to the landscaped gardens. The muted colour scheme of these airy living rooms continues into the dining areas, fitted with recessed spotlights and brass fittings. In the modern kitchens, you have high-quality units by Manhattan and appliances by Zanussi. And at the end of the day, indulge and relax in the carefully designed Roca Laura range bathrooms, complete with Bristan chromeplated brassware.

You can also take advantage of the range of facilities on offer, whether it is relaxing on the rooftop garden or getting fit in the on-site gym.

Around your new home you’ll find an eclectic and welcoming neighbourhood. Take a walk around York Square Conservation Area before heading to the picturesque Narrow Street. Here you’ll find charming Georgian terraces, famous pubs and restaurants. Then wander around the Limehouse Basin, once the hub of maritime industry and now a picturesque marina.

With its many waterways, it’s easy to unwind here. Begin the day with a run past the boats and birdlife on the Regent’s Canal. Or take a cycle ride alongside Limehouse Cut all the way to the Queen Elizabeth Olympic Park. Alternatively, pick up the Thames Path through Docklands to Greenwich Park. If you want to explore the social side, then make the most of your new waterside setting and join Tower Hamlets Canoe Club at Shadwell Basin.

The area is also ideal for those who like food, drink and culture. Beside an elegant Georgian terrace is The Grapes, owned by one of Limehouse’s many artistic residents, actor Sir Ian McKellen. Along the riverside you’ll find Gordon Ramsay’s The Narrow, with a modern British menu and views from a wide-open terrace. There is also a good selection of local favourites tucked away like La Figa, serving Italian classics with a focus on seafood.

Also nearby is The Old Ship, an independently run pub known for its cabaret nights and cream teas. Or meet a younger east London crowd at the Craft Beer Co. before checking the programme at live music venue The Troxy, or Genesis, your local arthouse cinema on the site of a 19th century music hall. Then there are galleries like Armando Seijo, which add to the artistic vibe.

For all your shopping needs, nearby Westfield Stratford has a fantastic selection of big name stores, boutique shops and a wide range of restaurants.

Explorers Wharf is also well located, with King’s Cross, Oxford Street, Stratford and London City airport all within 20 minutes by public transport.

Prices for a two bedroom apartment start at £111,250 for a 25% share, and £136,250 for a three bedroom home.

For more information and to register your interest in Explorers Wharf, visit the Newlon Living website at newlonliving.org.uk