By Ashley Thomson
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Next Home News
Read all about it! Our latest news advise and information below
By Ashley Thomson
By John Greener
By John Greener
Next Home has been Nominated for Estate Agency of the Year Scotland for the 3rd time!
By John Greener
By Lisha Moffat
By Ashley Thomson
By Ashley Thomson
My name is Dominic and I would like to introduce myself as your new dedicated Advisor in our Next Home office in Blairgowrie. I live within 25 minutes of our office with my partner Sam and our son George, we are currently expecting the arrival of our second child any day now!
The Market shows no sign of slowing as record prices achieved right across Perthshire with Next Home
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An expert from our local branch will provide you with the most accurate valuation
Whether you’re selling your property or looking to let, fill out the form below to book a FREE, no obligation valuation with one of our experts.
Whenever you visit our website and/or use its features such as web forms, Next Home Estate Agency will use and store the information you’ve provided for the purpose of processing the requests that are sent to us, via the website. Such information constitutes “personal data”. For more information about how Next Home Estate Agents store and process your personal data and Next Home Estate Agency’s obligations in security personal data, your right of access and erasure, please consult our privacy policy.
If you are completing a re-mortgage of your existing property, we will be able to handle the necessary conveyancing for you and provide a comprehensive quote for the costs which might be incurred and explain the procedures involved.
Once the time comes for you to repay your mortgage in full, we can give you advice and assist with the discharge of your mortgage.
Buy your first home with a £25,000 interest free equity loan.
If you want to buy your first home but can’t afford the total cost, you might be able to get help through Scotland’s First Home Fund.
The scheme is open to first-time buyers only and helps you with up to £25,000 of the purchase price of your property’s value. You will be required to provide a minimum deposit of around 5% and your mortgage must be at least 25% of the purchase price. Although the Scottish Government will have an equity share in the property, you will own the property outright. There are no monthly payments to be made towards the Scottish Government and no interest will be charged.
Contact our Mortgage Specialist, to discuss the best rates on the market today
Terms and conditions apply, the scheme is open to all first-time buyers in Scotland who are taking out a mortgage. You will not be able to apply to the scheme if you are a cash buyer or if you have previously owned a property in the UK or abroad at any time (as either a sole or a joint owner). The maximum contribution from the Scottish Government is £25,000 or up to 49% of the property valuation figure or the purchase price (whichever is lower). If you purchase a property for less than the valuation figure then the maximum Scottish Government contribution is £25,000 or 49% of the purchase price. There is a limit of one application per property. You can submit a joint application however you will be limited to one award of £25,000. Your mortgage must be at least 25% of the purchase price. Your mortgage must be capital repayment. The property must be the sole residence of all applicants. The scheme is not available for buy-to-let properties. You cannot apply to other Scottish Government shared equity schemes. Part exchange is not allowed.
Low-cost Initiative for First Time Buyers (LIFT)
There are two LIFT schemes available that we can assist you with:
1. The Open Market Shared Equity (OMSE) Scheme aims to help first time buyers onto the property ladder with the minimum capital outlays and is a fantastic way of getting on the property ladder for many people who thought it wasn’t possible. There is now NO RESTRICTION to the size of the home you can purchase based on your family size, only the Threshold Prices in your area set out by the Scottish Government.
2. The New Supply Shared Equity scheme (NSSE), which helps people buy a new-build home from a council or housing association. This scheme can also be applicable to those who have previously own a home but has had a significant change in circumstances e.g. a martial breakdown.
How does the LIFT scheme work? First time buyers can literally purchase any property on the market with either no deposit or as low as 5% deposit of your share, the only other outlays being the legal fees. The LIFT scheme would provide up to 40% deposit for their purchase. The Scottish Government have set different purchase limits in different council areas.
The schemes are aimed at households with low to medium incomes, we can assess your circumstances for your area to see if you qualify and help you with your application process.
EXAMPLES
Mr & Miss Smith LIFT Scheme purchase:
Couple looking to buy their forever home in Perth & Kinross. They purchased a 4 bedroomed house at £205,000
| 40% LIFT Deposit | £82,000 |
| Mr & Miss Smith mortgage | £123,000 |
| Monthly mortgage payments* | £373 |
| You could buy any property on the market with no deposit! | |
The Wilson Family LIFT Scheme purchase:
This couple looking to buy their first three bedroom house in Dundee for £100,000.
| 40% LIFT Deposit | £40,000 |
| The Wilson Family mortgage | £60,000 |
| Monthly mortgage payments* | £182 |
These schemes have limited funding – contact our Mortgage Specialists today
Terms and conditions apply. Examples provided are for illustration purposes only and does not represent a real occurrence. Mortgage example is based on an initial monthly rate on a rate of 3%.
WITH ONLY 5% DEPOSIT
The Help to Buy (Scotland) scheme means people can purchase a new-build home without the need for a large deposit.
If you want to buy a new build home but can’t afford the total cost, you might be able to get help through the Help to Buy (Scotland) Affordable New Build scheme. The scheme is open to first time buyers and existing homeowners and helps you with up to 15% of the purchase price of a new build home.
Contact our Mortgage Specialist, to discuss the best rates on the market today
The scheme is not available to assist buy-to-let investors. You may not part-exchange your existing home with a home builder and buy a new home from them. The scheme is not available to assist with the purchase of self-build homes. You cannot purchase a property that is not a new build property. If you or your partner already owns a home i.e. where either of you are named on the title deeds of a domestic property, you cannot conclude your Help to Buy (Scotland) Affordable New Build Scheme transaction until your other home has been sold. You cannot buy a home from a home builder who is not registered to participate in the scheme. You must reserve a property and obtain a full Reservation Agreement before applying to the scheme. You cannot buy a home for more than the threshold prices for the scheme which apply for the financial year in which you complete the purchase. You must take out a repayment mortgage with a participating lender , unless you are aged 60 or over. Missives for the purchase of your home must be concluded on your behalf no later than 3 months after the date that you are issued with an Authority to Proceed Letter. The purchase of your home (i.e. when you pay the purchase price to the home builder and receive the keys to your new home) must complete within 9 months of the date of the issue of your Authority to Proceed Letter, otherwise you will cease to be eligible to receive financial assistance under the scheme towards the purchase of your home.
What services will Next Home provide? What’s the difference between the various options? How much will it cost?
Find out what’s included at every service level with our at a glance comparison chart.
There are no hidden costs. No sneaky extras. Everything marked with a tick is included in the stated fee.
No let, no fee.* No time to lose.
For most people, buying a house or flat is their biggest financial transaction. Our experienced solicitors will help guide you through the process.
Next Law work closely with Next Mortgages, the biggest financial services team in Perthshire. They are experienced independent mortgage advisors who have access to some of the best mortgage deals available. They can also advise on Help to Buy, Shared Equity, the Lift Scheme and seek the necessary agreement in principal from the mortgage lender to allow you to then proceed to make an offer for a property. Many of our clients highlight the benefit to them of their mortgage advisor and solicitor working closely together. If you would like to be put in touch with an independent mortgage advisor at Next Mortgages, please contact us and we can arrange for a member of their experienced team to provide you with no obligation information and advice in relation to the mortgage process.
Our highly experienced solicitors also have expertise in dealing with the Government funded Lift Scheme and Help to Buy Scheme.
Let Next Law guide you through the legal process of selling your home. Whether you have agreed a private sale, marketing your property through your Estate Agent, or are simply contemplating a sale, our experienced solicitors can give you independent advice from the outset.
Next Law have an exclusive association with Next Home Estate Agents, the market leaders in the Perthshire property market. When you choose Next Law and Next Home, you have an experienced, powerful team working closely and efficiently for you. We are experts in our respective property fields. Let us both take the stress out of the sale of your home.
An agent from our local branch will be in touch to arrange a viewing
Fill out the form below to arrange a viewing of this property.
Whenever you visit our website and/or use its features such as web forms, Next Home Estate Agency will use and store the information you’ve provided for the purpose of processing the requests that are sent to us, via the website. Such information constitutes “personal data”. For more information about how Next Home Estate Agents store and process your personal data and Next Home Estate Agency’s obligations in security personal data, your right of access and erasure, please consult our privacy policy.
An agent from our local branch will be in touch to arrange a viewing
Fill out the form below to arrange a viewing of this property.
Whenever you visit our website and/or use its features such as web forms, Next Home Estate Agency will use and store the information you’ve provided for the purpose of processing the requests that are sent to us, via the website. Such information constitutes “personal data”. For more information about how Next Home Estate Agents store and process your personal data and Next Home Estate Agency’s obligations in security personal data, your right of access and erasure, please consult our privacy policy.
An agent from our local branch will be in touch
Fill out the form below to request a callback from one of our agents about this property.
Whenever you visit our website and/or use its features such as web forms, Next Home Estate Agency will use and store the information you’ve provided for the purpose of processing the requests that are sent to us, via the website. Such information constitutes “personal data”. For more information about how Next Home Estate Agents store and process your personal data and Next Home Estate Agency’s obligations in security personal data, your right of access and erasure, please consult our privacy policy.
An agent from our local branch will be in touch to arrange a viewing
This gives you a quick guide as to the Land and Buildings Transaction Tax (LBTT) you would have to pay. For a more accurate quotation contact our Expert Selling Team.
Please note: This calculator is provided as a guide only on how much land and buildings transaction tax (LBTT) you will need to pay in Scotland. It assumes that the property is freehold and for residential purposes.
You can relax knowing that if your current property hasn’t sold before the completion date on your new home, we’ll buy it at an agreed price.
It takes away the worry of selling your home by providing a safety net, saving you time, worry and the costs of bridging loans.
Contact our Mortgage Specialist, to discuss the best rates on the market today
Legal information: Assured Sale is available on selected developments and selected plots only. Subject to status and availability, terms and conditions apply. Please ask us for full details.
The easy way to sell your home
This developer offers a Part Exchange service which means you can have an offer for your home in just a few days. All you have to do is provide us with details of your property and leave the rest to us.
We’ll arrange valuations, provide you with a fair market price for your property and once you’ve accepted, we’ll liaise with solicitors to complete the purchase alongside the purchase of your new home. Getting you moving quickly. Your Next Home specialist advisor will be a consistent point of contact throughout the process. We’ll keep you well informed as well as continually offering any help and advice.
Contact our Mortgage Specialist, to discuss the best rates on the market today
Part Exchange is available on selected developments and selected homes only. Subject to status and availability, terms and conditions apply. Please ask us for full details.
