Different Ways To Buying A Property

  1. Using an Estate Agent is the most obvious and popular way to buying a property in the Uk. Online Estate Agents Purple Bricks and Yopa have paved the way for others making this a much cheaper alternative putting you in control.

2.  In recent years there has been a rising number of Property Sourcers who can sell your property to their list of Buyers and Investors.

3. At Auction 

Currently, around 1.3% of houses sold in the UK are done so at auction and, although representing a small proportion of the property market, there could be bargains to be had. 

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4. Using Right-to-Buy 

If you currently live in a council or housing association property and dream of owning your own home, then this may be easier than you think. Right-to-Buy is a government scheme which allows tenants to purchase their homes at a discounted rate. 

The discount you receive greatly depends on how long you have lived in the property and where in the country you live. For example, the maximum discount you can receive in Wales is £8,000 and you must be a secured tenant of a local authority. Whereas in England, discounts are tens of thousands of pounds more. 

Should you be interested in the Welsh Right-to-Buy scheme, act quickly. The scheme will be abolished by 2019 as there is shortage of housing stock. 

4. Using Help-to-Buy

With a Help-to-Buy equity loan you can purchase a new-build property with as little as a 5% deposit. The government will then lend you up to 20% of the cost, allowing you to reduce the size of the mortgage you require and minimise monthly repayments. 

5. Through Shared Ownership 

Shared ownership is a housing association scheme which allows first time buyers to purchase a share of a home and pay a small monthly rent on the remaining portion. If and when you can afford it, you can then purchase a larger share of the home. 

This scheme gives priority to local authority or housing association tenants, but is open to all first time buyers, and is available for new build properties only. 

6. Build Your Own 

Of course, who says you have to buy a pre-existing property? You could purchase a plot of land, gain planning permission and build your own dream home. 

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7. With a Friend or Partner 

Cohabiting is increasingly common, however the number of people purchasing a property with friends is also on the rise. After all, two wages are better than one. 

Buying a house with friends can boost your budget and provide you with more opportunities, however we would always recommend signing a declaration of trust or cohabitation agreement which outlines your rights and responsibilities. 

 

7. With Your Mum and Dad 

If you’re lucky enough to have generous parents or other family members, then this could provide you with a leg up on the property ladder. 

This is generally done in one of a few set ways: your parents could become your guarantors and offer their property/assets as collateral for your loan, or you may decide to opt for a family deposit mortgage where their savings are offset against your mortgage to lower monthly repayments. 

Lastly, of course, is the alternative of your parents purchasing the property as an investment. Many young people choose this option and pay a form of rent which gradually buys a portion of the house. 

 

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