Main & Main
Tel: 0161 437 1338
198 Finney Lane
Heald Green
Cheadle
SK8 3QA
Howty Close, Wilmslow
Asking Price £87,489
2 Bedroom House - Terraced
- Cheshire East Discounted House Sale Scheme
- Specific Criteria Apply - See Information
- Two Bedrooms
- Open-plan Living/Dining Room
- Fitted Kitchen
- Bathroom with White Suite
- Downstairs WC
- Gardens
- Parking
- No Onward Chain
*** Cheshire East Council "Discounted For Sale Affordable Housing Scheme" - This scheme has eligibility requirements: Please consult the following link to determine whether you meet the criteria and submit an application. ***
https://www.cheshireeast.gov.uk/housing/affordable-housing/affordable-housing.aspx
NB: Cheshire East Council make the decision as to who is able to purchase these properties.
Available with no onward chain, this two bedroom property offers the following accommodation: Entrance hallway, downstairs WC, open-plan living/dining room, kitchen, first floor landing, two double bedrooms and a bathroom.
The house stands behind a garden area with two car parking spaces. To the rear is a garden area with an access gate.
The property forms part of a popular residential area, with good links to amenities, schools and transport links.
Entrance Hallway
Downstairs WC
0.86m x 1.63m (2'10 x 5'4)
Living/Dining Room
6.50m max x 4.27m red to 2.21m (21'4 max x 14'0 re
Kitchen
2.44m x 2.06m (8'0 x 6'9)
First Floor Landing
Bedroom One
3.53m x 3.25m plus 1.83m x 1.04m walk-in wardrobe
Bedroom Two
2.87m max x 2.64m max (9'5 max x 8'8 max)
Bathroom
1.93m x 1.65m (6'4 x 5'5)
Externally
Garden area to the front with block-paved driveway area with two designated spaces.
Garden to the rear with access gate.
Leasehold Information
979 years remain of a 999 year lease which ends on 01/01/3005.
Ground rent of £60 per annum payable.
Eligibility for affordable housing
To be eligible for affordable housing, you must have both a local connection and a housing need along with the right to reside in the UK. Applicants should not currently own a home when applying. You will also need to meet any specific criteria for the individual development - please contact the Cheshire East housing team for further information.
1) Local connection - you must have lived within Cheshire East for a set amount of time, or have a permanent contract of employment in the area, or have an immediate family member (sibling/parent/child) who lives here.
2) Housing need - you must be able to show that your household income means you cannot afford the property at its current open market value, but can afford the property with the discount applied based on your circumstances, mortgage ability and deposit level. Priority will be given to applicants with dependent children for affordable homes with three bedrooms.
3) Right to reside in the UK - you will need to have the right to reside in the UK because the scheme is a subsidised benefit.
Discounted for sale schemes
- The property is sold at less than the full market value - for example, a £100,000 property with a 30% discount would cost £70,000.
- You own 100% of the property - there is no rent percentage to pay.
- The property must be your permanent residence.
- If you sell the property, the discount must be applied and be sold to someone who meets the criteria for affordable housing (for the process, see selling an affordable property).
- The original discount percentage and eligibility criteria then apply to every future sale, to keep the property affordable.
- You may need to pay ground rent and service charges if the property is leasehold - check with the developer or property management company as Cheshire East Council do not administer these charges.
Applying for discount for sale homes
Cheshire East Council do not advertise homes for sale, this is done by the current owner or a developer. The discounted homes will be listed for sale in the same way that open market properties are, so please check with estate agencies and on property sale websites. Affordable homes are listed at their discounted value.
If you have previously applied and were unsuccessful, you will need to send a new application form and relevant supporting documents for the property you wish to be considered for, as applications are for a specific property for sale and not the scheme as a whole.
Application forms and supporting documents for each property are assessed on a first-come, first served basis.
Once the sale/purchase process begins and you instruct your own conveyancer, fees to the Cheshire East Council legal team will be charged. A fee will be charged even if the sale/purchase process is halted for any reason by the purchaser or the vendor. You should speak to your conveyancer regarding the fees payable to the Cheshire East Council legal team.
How to apply for shared equity and discount for sa
If you see a home listed for sale which is on the scheme and wish to apply, the online link is below and you will need to provide the following supporting documentation which can be uploaded via the online form:
1. A signed, letter-headed statement from a financial advisor accredited by the Financial Conduct Authority (FCA). The statement should refer to the property value and include the name/s of any applicant/s. It must confirm that based on your household income, mortgage ability and deposit amount, why you could not afford the property at the full open market value and could only afford it at the discounted price. We cannot assess with a Decision in Principle alone. Please ensure the finance letter is attached to your application form.
2. Evidence of your local connection - one of the following:
- If you live in the area, please send proof of your Cheshire East address, such as a utility bill, council tax bill or driving licence.
- If you no not live in the area but work here, a letter from your employer confirming you have a permanent contract to work in Cheshire East.
- If you do not live or work in the area, proof of an immediate family (parents/siblings/children) member's Cheshire East address.
- Ensure that your local connection evidence and financial advisor letter are attached to your application form. Any gift deposits must be confirmed with a letter from the family member providing it and sent along with the application form.
Energy Efficiency and Environmental Impact
Although these particulars are thought to be materially correct their accuracy cannot be guaranteed and they do not form part of any contract.
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