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Bellway home

An ideal location

Black cab driver Zoe Hanks is delighted with her new 2-bedroom Rydal house, located on Bellway’s Renovo development in West Thurrock – and is pleased to have cut her journey time to work by half an hour. “My commute couldn’t be simpler. The A13 is a mere five minutes from our house and then it’s a 30-minute drive into the heart of London,” Zoe says.

“I’m spending much less time driving and I’m obviously putting much less mileage on the clock.”

Why buy new?

It is the first time Zoe – who lives with her son Tommy – has bought a new-build home. “Buying a new build has allowed us more time to settle in as everything was ready made for us on moving day,” she says.

“There’s nothing about the house that I don’t like. It’s a nice size for the two of us and the doors and windows are distinctive. It’s not a stereotypical new-build home.”

The doors and windows are distinctive. It’s not a stereotypical new-build home.”
Bellway home
Zoe with keys to her home
I wouldn’t have been able to purchase a new home on my own without the support of Help to Buy, so the scheme has been hugely beneficial for me.”

Buying my new build using Help to Buy

Zoe bought her home using the Government-backed Help to Buy scheme, which specifically applies to new-build properties. 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.*

Help to Buy explained

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*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.

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