Tudor Reach, Lincolnshire

Kirton in Lindsey boasts a selection of well-regarded schools that cater to various educational needs. Among the primary schools in the area is Kirton Lindsey Primary School, recognized for its commitment to providing a nurturing and stimulating learning environment for children aged 4 to 11. 

This school prioritizes academic excellence while fostering personal development and a love for learning. Additionally, there is Huntcliff School, a secondary school known for its inclusive approach to education and dedication to supporting students throughout their adolescent years. 

With a focus on academic achievement, extracurricular activities, and pastoral care, Huntcliff School offers a comprehensive educational experience. These educational institutions contribute significantly to the vibrant community of Kirton in Lindsey by nurturing young minds and preparing them for future success.

Kirton in Lindsey benefits from a variety of transport links, ensuring convenient connectivity for its residents. The town is served by regular bus services, offering routes to nearby towns and cities, facilitating easy access to neighboring communities. 

Additionally, for those commuting by car, Kirton in Lindsey enjoys proximity to major roads like the A15 and A631, providing direct routes to destinations such as Scunthorpe, Gainsborough, and Lincoln. These roadways enable efficient travel and accessibility to various amenities and employment centers in the region. 

While the town itself doesn't have a railway station, nearby stations in larger towns offer rail services, enhancing travel options for residents seeking connections to national rail networks. 

Overall, the combination of bus services and well-connected roadways contributes to the town's accessibility and facilitates convenient travel for both local commuting and exploring beyond Kirton in Lindsey.

Kirton in Lindsey offers a diverse range of amenities that cater to the needs of its residents, creating a well-rounded and convenient community. 

The town boasts a selection of local shops, including grocery stores, bakeries, and independent retailers, providing essentials and unique finds to its inhabitants. 

Additionally, there are charming cafes, cozy pubs, and restaurants serving a variety of cuisines, perfect for socializing or enjoying a delicious meal. 

For health and well-being, Kirton in Lindsey features medical facilities, pharmacies, and fitness centers, ensuring access to healthcare services and opportunities for staying active.

Most buyers who can’t afford to buy a home outright can apply to buy through shared ownership.

We may also be able to help if you need to move because of a relationship breakdown or if your work requires you to live in an area outside your price range.

In order to buy through the Shared Ownership scheme, you must be able to demonstrate that you can afford and sustain home ownership. If you proceed with Shared Ownership you will be required to undertake an affordability assessment.

You must meet our adverse credit policy, if you have a history of adverse credit you are unlikely to be accepted depending on individual circumstances.

Shared owners still have to pay many of the usual costs involved in buying a home.

Reservation fee

We will ask you for a £250 deposit to reserve your chosen home. When the sale goes through we put this towards your purchase payments. However, we cannot refund it if the sale does not go through.

Mortgage deposit and fees

Most mortgage lenders will ask for a 5% or 10% deposit towards the price of the share you want to buy. They are also likely to charge a valuation fee and administration fees.

Legal fees

Solicitors’ charges can vary so it is best to get a few estimates. You will also have to pay Land Registry and local search fees, and may have to pay stamp duty depending on the value of the property.

After you've moved in

You also need to budget for the ongoing costs of owning a home.

Mortgage repayments

You will have to make monthly mortgage repayments to your lender. Depending upon the type of mortgage you have, these repayments may vary as interest rates change.

Rent

You pay a subsidised monthly rent to us on the share of your home which we own. The amount is reviewed on the 1st April each year.

Service charges

You will have to pay a small charge if your home has any facilities or communal areas which we maintain, such as shared entrance halls, lighting and grounds. Your service charge will also include your buildings insurance and your management fee.

Household bills

These include your council tax and utility bills for water, gas and electricity.

Repairs

We will arrange for any defects on new-build homes to be repaired during a set time period. After that time has elapsed, you will be responsible for arranging and paying for all repairs to your home.

Home contents insurance

We provide buildings insurance with the cost of your service charge but this does not cover your belongings. We strongly recommend you arrange your own home contents insurance.

Much will depend on your other financial commitments and what property/share you want to buy. We don't want you to be overstretched, so we need to be sure that you can afford to pay your mortgage and rent. We look at each application individually and will advise you on your options.

Shared ownership schemes are backed by government funding to help people on smaller incomes. So you will not qualify for most shared ownership schemes if your household income is less than £10,000 or more than £80,000 a year.

On the property listings for some of our shared ownership homes, you will see that we state a local connection to the area is required.

This generally applies in rural areas and small villages where land has been made available specifically for affordable housing to meet the needs of local people, rather than for private development.

These are known as ‘rural exception sites’ or 'protected areas' and are controlled by ‘Section 106 Agreements’. They aim to help local people and families afford homes in the area where they grew up.

The local connection criteria can vary between different developments, but is usually based on the following:

applicant was born in the area and has lived there for a number of years

applicant has permanently lived in the area for a number of years

applicant used to live in the area for a number of years but had to move away because of the lack of affordable housing

applicant has been permanently employed in the area for a number of years

The number of years is usually between 2 and 5, although this differs by local authority

Usually priority is given to applicants with a local connection to the parish. If there are still properties remaining, allocation will be opened up to surrounding parishes and then to the whole of the local authority area. This ensures that the homes are occupied by residents as local to the area as possible.

If you want to find out more about the local connection criteria for a particular development, or check if you qualify, please email sales@platformhg.com

Yes you can, once you have moved into your Shared Ownership property, providing you can afford it, you are able to buy more of your home through the process of Staircasing.