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Bellway home

Our new family home

Their growing family was the catalyst for Alan and Katie Warner deciding to move home. The couple, who have two children, opted to upsize from their 2 bedroom semi in Edenbridge to a 3 bedroom Newenden on Bellway’s Oakley Park development.

“Our home is now the perfect size for us and it really couldn’t be more ideal,” says Alan. “There is so much space inside and we really love the way it looks from the outside, too.”

A little help from
Help to Buy

The couple were given a helping hand on their journey to their new home by Help to Buy – the Government-backed initiative is available exclusively on new-build homes for first-time buyers and offers an equity loan of up to 20%.*

“Using the scheme, we were able to purchase a bigger home than we originally thought was possible,” says Alan.

Eligible homebuyers with at least a 5% deposit can take advantage of Help to Buy – and the loan is interest-free for the first five years.*

Help to Buy explained
Bellway home
Bellway kitchen
Our home is now the perfect size for us and it really couldn’t be more ideal. There is so much space inside.”

Choosing our new home

Alan and Katie found their dream home just down the road from where they were living – and they were able to watch the property being built before their eyes. “We love the view and we can’t wait to see the rest of the site once it’s completed,” says Alan, who commutes to London for work.

“It’s great to be able to come back home and escape from city life after a long day, as well as being around friends and family within Edenbridge,” he says.

“Katie and I are over the moon with our new home and our decision to upsize in the area.”

More than a home builder

All you need when it comes to finding your new home

*YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT. Help to Buy is subject to the Homes and Communities Agency’s (HCA) terms and conditions and is available on new build homes on selected Bellway developments where the property represents your only residence. Help to Buy is available to first-time eligible buyers only and is subject to maximum regional price caps. HomeBuy agent eligibility checks are required. The equity loan is interest free for the first five years. If you are an eligible first-time buyer, the Government will lend you a minimum of 5% and up to 20% (or up to 40% in London) of the market value of your new build home. You start to pay interest from year six, on the fifth anniversary of your equity loan and this is calculated at a rate of 1.75% of the equity loan amount. The interest rate will rise each year thereafter in April by the Consumer Price Index (CPI), plus 2%. The interest you pay during the life of the equity loan does not reduce the amount you owe. The amount of interest you pay will reduce if you make part repayments. Interest will be worked out on the amount of equity loan left to pay. You may be charged interest on overdue money and pay administration fees to make changes to your equity loan. When your equity loan starts you must pay a £1 monthly management fee, this is paid for the life of your equity loan. When you take out your equity loan, you agree to repay it in full, plus interest and management fees. You must repay your equity loan in full: at the end of the equity loan term (normally 25 years), when you pay off your repayment mortgage, when you sell your home and if you do not comply with the terms set out in the equity loan contract and you are asked to repay the loan in full. Help to Buy operates under terms and conditions imposed by the HCA and may be subject to change. Please visit www.helptobuy.gov.uk for further information. Help to Buy cannot be used in conjunction with other schemes. Information correct at time of broadcast. Please see www.helptobuy.gov.uk/equity-loan/eligibility/ for further information. †Terms and conditions apply.