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Bellway home

A family moving story

Nikki’s house-hunting began when she set out to find a new home within the area that she’d been raising her two boys Harry and Toby, in the idyllic village of Cottenham, Cambridgeshire.

Nikki’s sister, Paula, had previously bought at a Bellway development in their hometown of Ponteland, near Newcastle – a site which Nikki remembers as having “very high-standard, beautiful looking homes.”

The memory of those homes led to Nikki, 46, exploring her local Bellway development, Bower Place, to see if she could find a similar home for herself.

A little help from Help to Buy

Help to Buy is a Government-backed initiative available exclusively on new-build homes for first-time buyers and offers an equity loan of up to 20%. 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.*

Nikki says: “Help to Buy was such a helpful and straight forward scheme – buyers who are eligible for the scheme should definitely take advantage of it.”

Help to Buy explained
Bellway home
I would definitely recommend buying with Bellway, as my experience overall has been amazing.”

Buying with Bellway

Describing her experience of dealing with Bellway and how they handled her move, Nikki explains: “I met the site manager Lewis when I first visited the development, who took me under his wing from day one and helped me to secure the best home for me.”

“At the beginning when I first made my reservation, I was given a rough plan of what the house was going to look like, which made things a lot more exciting.”

“I’d often drive by the development to see how it was growing and progressing, and I’m so pleased with how my new home turned out.”

She later adds: “I would definitely recommend buying with Bellway, as my experience overall has been amazing.”

Family in kitchen
I would definitely recommend buying with Bellway, as my experience overall has been amazing.”

How I feel about my new home

When asked to describe how Nikki and her two boys have settled into their new family home, she says: “The best thing about my new home has to be the garden – it’s just incredible.”

“I now have such a lovely view of the countryside surrounded by lots of trees, and on top of this, the home has a very private feel to it.”

“Harry and Toby are now able to cycle to school every day, and I’m now much closer to work, so the move has made things much more convenient for all of us.”

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.