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Buying a home

Affordable housing

In South Lakeland a number of affordable housing schemes are developed each year.

Properties are typically offered for sale at a discount and applications are considered by our affordable housing officer who can be contacted by emailing: affordable.housing@southlakeland.gov.uk  

Help to Buy which is a government scheme assists first time and other buyers, this is administered by Riverside

More than just a mortgage to pay

If you are considering buying a home, you should think carefully about the implications of home ownership:

  • you will be responsible for all repairs and maintenance
  • housing benefit is not available to home owners
  • if you become unemployed you will not be able to get any assistance from the Government with your mortgage for the first nine months that you have no job
  • you will not receive assistance with your mortgage if you stay in work but your income falls
  • in addition to paying your mortgage you will have to pay buildings insurance and to be safe, mortgage payment protection insurance to cover your mortgage repayments if you lose your job
     

The big decision

Buying a home is the biggest thing most people will ever buy, so think about it carefully. You can’t just walk away from a mortgage. So think and choose carefully before you take the plunge.

If you buy your home

The main thing to remember is to pay your mortgage and keep insurances up to date. If you are unable to pay your mortgage for any reason it is best to contact your mortgage company sooner rather than later. You can also seek advice from our Housing Options service.