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Bellway home

Our new home

Lee Edwards and his partner Hayley Jeffries love their 4 bedroom Magnolia house on Bellway’s Portway Place development in Essex – especially the generous open-plan kitchen, dining and family area, which is perfect for his four children. “It’s brilliant for the kids; it means I can keep an eye on them. In an older house that is less open plan, you don’t have that.”

Countryside appeal

Lee was drawn to the development – which is situated on the outskirts of Halstead – because of its rural feel. “Portway Place is right at the edge of town, so you turn left into the beautiful town and right straight into the countryside. It’s a great location,” says Lee.

“When we were looking around with the salesman we even saw a little deer out of the window – we really are out in the countryside here.”

Countryside
Using Help to Buy I was able to buy a bigger house than I expected, which is great.”

Buying our new-build
with Help to Buy

The couple used the Government’s Help to Buy scheme to purchase their new home. Help to Buy allows first time buyers the opportunity to purchase a property for just 5% deposit, with an additional Government-backed loan of up to 20%, interest free for five years.*

“By using Help to Buy, I was able to buy a bigger house than I expected, which is great,” says Lee.

Help to Buy explained
Family on doorstep
I liked all of the Bellway staff I spoke to. I felt they were honest and straightforward with me.”

Why buy new?

The benefit of a new build is that everything is, of course, new and everything is done for you.

“I have DIY skills, but I work all of the time so I was really looking for a house that didn’t need too much doing to it,” says Lee. “When I saw the house, tucked away at the end of the road, I liked the look of it straightaway. I felt like it was just waiting for me.”

More Bellway stories

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.