Property description

FULL DESCRIPTION HOMEsure property are delighted to bring to the market place, a traditional large two bedroom mid terraced property set in the popular area of St Helens, close to local amenities and great transport links.

This property has been recently refurbished to a high standard throughout.

To the ground floor there is an entrance hallway, large lounge room, large sitting room, dining kitchen area, utility and downstairs cloak. To the first floor there are two very large bedrooms and large family bathroom.

Externally the property offers a rear yard. 

HOMESURE HELPFUL HINTS Sometimes abbreviations can become confusing, so we've compiled a list of the most common ones here for you, along with some other common terms:-



(For more helpful terms, check our 'Jargon Buster' on our website)



DG - Double Glazing

GCH - Gas Central Heating

NC - No Chain

"Chain" - a chain is when, for example, the person you are buying from needs to buy another house, using the proceeds from the sale - i.e. the purchase of their next home, is dependent on them selling their current home to you.

PERIOD - this means it was built/has features dating back to an iconic period in history, i.e. Edwardian (1901 - 1910), Victorian (1837 - 1901), and Georgian (1714 - 1830).

uPVC - this stands for Unplasticized Polyvinyl Chloride and is used for making double glazed window frames (usually white)

DADO Rail - a Dado rail, or Chair rail, was traditionally installed to protect the walls from furniture scuffs, i.e. the backs of chairs. 

ONLY 5% DEPOSIT NEEDED HOW DOES IT WORK?

A mortgage supported by the Help to Buy: mortgage guarantee scheme works in exactly the same way as any other mortgage except that under the scheme the Government offers lenders the option to purchase a guarantee on mortgage loans.



Because of this support, lenders taking part are able to offer home buyers more high-loan-to-value mortgages (80-95%).



You will still be fully responsible for your mortgage repayments. So if you have a 5% deposit, you will need to take out and pay back a 95% mortgage.



- See more at: http://www.helptobuy.org.uk/mortgage-guarantee/how-does-it-worksthash.pi7cyPmK.dpuf





WHO IS ELIGIBLE?

A mortgage under the Help to Buy: mortgage guarantee scheme works like any other mortgage. Your lender will check that you can afford the mortgage and that you do not have a history of payment difficulties.



To qualify for a mortgage supported by Help to Buy: mortgage guarantee:



- the property you are purchasing could be an existing or new-build home in the UK, priced up to £600,000

- you mustn&146;t own any other property anywhere in the world at the time you buy your home supported by the Help to Buy: mortgage guarantee scheme

- your mortgage must be a repayment one, not interest only. Offset and guarantor mortgages are also excluded from the scheme

- you can&146;t let out the property to somebody else

- your mortgage can be taken out by an individual or individuals but not by a company

- you cannot use the mortgage guarantee scheme with any other Government scheme such as Help to Buy: equity loan or shared ownership.



Your deposit for the property can&146;t come from a government scheme either

you don&146;t have to pay any additional fee to Government to get a Help to Buy supported mortgage



The Help to Buy: mortgage guarantee scheme will run for three years until 31 December 2016.



- See more at: http://www.helptobuy.org.uk/mortgage-guarantee/eligibilitysthash.GORv9e4G.dpuf





HOW TO APPLY

The Help to Buy: mortgage guarantee scheme is offered by mortgage lenders across the UK. You can apply for a mortgage through participating high street lenders or through a mortgage broker.



Your next step is to find your home and talk to your lender. Look out for the Help to Buy logo.



Look at answers to questions that have been asked about the scheme for further information.



You can get more help and advice from the Money Advice Service and other useful contacts.



- See more at: http://www.helptobuy.org.uk/mortgage-guarantee/how-to-apply-mortgage-guaranteesthash.GPAnlpYe.dpuf





LENDERS OFFERING THE HELP TO BUY SCHEME:-



Aldermore

Bank of Scotland

Barclays

Halifax

HSBC

Lloyds

NatWest

RBS

Santander

Virgin Money





See more at: http://www.helptobuy.org.uk/mortgage-guarantee/is-your-lender-in-the-schemesthash.IeUY6UQc.dpuf



Find out more on Government's website:- http://www.helptobuy.org.uk/ 

MORE INFORMATION HOMEsure Property is a modern Estate Agency focusing heavily on our online presence, while retaining a High Street presence on Woolton Road, Childwall Village (opposite the Halfway House pub).

With direct access to each member of staff via mobile phones, you can always be safe in the knowledge that you can reach your agent and get your questions answered quickly.

Check out our listings on all good social media sites & search engines. 

HOW TO CONTACT US You can CALL US using the number above and to the right



You can EMAIL US using the button to the right 

SALES DISCLAIMER REMEMBER! We can also provide fully independent Mortgage and Financial Advice on the right mortgage for you. Should you like details of our services please call on the number above & to the right, or send an email to us using the button to the right.



These property details are set out to provide a general guide as to what the property consists of. They are not intended to be used as part of an Offer or Contract. If interior photographs are included they are reproduced for general information and it cannot be inferred that any item shown is included in the sale. Please check with us if you wish to clarify exactly what is included.

Any services, equipment, fittings and/or heating systems have not been tested and no guarantee is given or implied that these are in working order. Buyers are advised to obtain verification from their solicitor or surveyor. Fixtures, fittings and other items are not included unless specifically described. All measurements, distances and areas are approximate and are for guidance only. Room measurements are approximate and buyers are advised to check these for their own benefit.

Every care has been taken with the preparation of these Sales Particulars but complete accuracy cannot be guaranteed. Buyers should in all cases verify matters for themselves. Where property alterations have been undertaken buyers should check that the relevant permissions have been obtained. If there is any point which is of particular importance let us know and we will verify it for you.