Available now

25% Shared Ownership of a two-bedroom flat for £45,000. Monthly rent on remaining share is £309.38. In addition, there will be a monthly service charge of £28.83. There is no ground rent to pay.

Specification

Kitchen

• Fitted modern kitchen
• Integrated oven and hob
• Stainless steel extractor hood
• Vinyl flooring

Bathroom

• White sanitary ware with chrome fittings
• Tiling to ceiling around the bath
• Shower over bath
• Glass shower screen
• Vinyl flooring

Heating

• Gas fired central heating
• Thermostatic radiator valves
• Double glazed windows

External

• No parking space
• No outdoor space

Decoration

• White emulsion walls and ceilings
• White gloss painted woodwork

Council tax banding - B

Predicated energy rating - C

The Predicted Energy Assessment (PEA) is an assessment of the energy efficiency of a building that is yet to be built. Once the building is complete, it will be replaced by the Energy Performance Certificate (EPC). Please note that the rating may change once the final EPC has been issued. This is due to recent changes in the way the PEAs/EPCs are calculated.

What is shared ownership?

Shared ownership is another way to buy your own home. You buy a percentage, and pay rent on the rest. The housing association owns part of it - but you're living there, you decorate it, and you decide when to sell.

Buying a percentage means a smaller deposit and smaller mortgage. It's a sooner first step on the ladder for lots of people. Usually, you can also carry on buying shares, to own it 100%.

The properties are sold on a 990 year shared ownership lease.

Who qualifies?

Anyone who does not currently own or part own a property and has a household income of less than £80,000 per year can apply.

How to apply

You can apply for one of our shared ownership homes by completing our application form. Please email completed forms to nchasales@ncha.org.uk.

A member of the Sales team will contact you directly once your application has been reviewed.

Your affordability will be assessed based on the information you provide on the application form. NCHA will make an offer based on the amount you can afford, between 25 - 75%. If your application is successful a non-refundable reservation fee of £350 is required to reserve your new home, this amount goes towards your deposit on completion.

Local information

Situated in the Amber Valley in Derbyshire, Belper resides on the eastern bank of the River Derwent in the East Midlands. Less than eight miles from Derby with trains taking just 10 minutes and only a 30 minute drive to Nottingham.

From relaxing walks through Belper River Gardens and alongside Cromford Canal, to the Derwent Valley Mills world heritage site and Shipley Country Park, other local attractions include Kedleston Hall and Duffield Castle. Go for a stroll through Bessalone Wood or for a longer hike in the Peak District too.

Disclaimer

Any measurements quoted are approximate and must be checked on site and against the layout which may vary due to unforeseen circumstances. Floor plans may be mirror handed. These details have been produced for illustrative purposes only and does not form any part of a contract or constitute and offer. Actual specification may vary from that shown in floor plan.