An exciting opportunity to purchase a brand-new three-bedroom home, on a part-buy, part-rent basis. This modern development is ideally situated on the outskirts of town, offering easy access to the scenic Hurcott Pools and Wood, while also being conveniently located near Kidderminster Town Centre and its array of amenities.

• Shared ownership
• Plot 9 - 12 Husum Place
• Affordable new home
• Desirable edge of town location
• Kitchen includes cooker hob and hood
• Guest cloakroom
• Turfed garden and shed
• Parking space
• Electric car charging point

Husum Place presents an exceptional chance to purchase a brand-new three-bedroom home, available on a part-buy, part-rent basis. Buyers at this stage can acquire between 10% and 75% shares, with the option to purchase more later. This excellent and affordable housing scheme, provided by the Community Housing Group, is ideal for first-time buyers or those with a limited budget aiming to step onto the property ladder. The flexible scheme allows owners to increase their share up to full 100% ownership after one year, with the rental amount proportionately decreasing. For a 50% shared ownership, the monthly rental amounts to £364.73, inclusive of buildings insurance and administrative fees. Below, you will find information regarding eligibility criteria and how to apply.


Qualification Eligibility Criteria
Applicants are not eligible to join the Home Choice Plus housing register unless they meet the qualifying criteria of a close association outlined below:

In determining whether the household has a close association we will agree a connection exists in the following circumstances;
- Where the local connection arises due to residency the applicant(s) must have lived in the partnership area (by choice) for a minimum period of two years.
- Where the applicant(s) meets any of the statutory homelessness definitions included in the allocations policy.
- Where the local connection arises due to employment and the applicant(s) have been in permanent, paid employment for a minimum period of six months, within one of the Local Authority areas included in the Partnership, immediately prior to the application (please see further information below).
- Where the applicant(s) has a close (immediate) family member living in the HC+ partnership area and has done so for a minimum period of five years, immediately prior to the application (please see further information below).
- Where the applicant has resided in the Partnership area for three out of the last five years at the point of application.


Eligibility
- Need to be over the age of 18
- Be unable to buy on the open market
- Not earn in excess of £80,000
- Not already own a property (unless in exceptional circumstances)
- Be able to raise a mortgage to cover the share you wish to purchase
- Be able to afford to pay the remaining rent and bills etc.
- Have enough saved to cover the mortgage and legal fees and any additional moving costs
- Be registered on HomeChoice plus Housing Register. You can apply online at www.homechoiceplus.org.uk/HouseholdRegistrationForm
- A financial assessment will need to be undertaken by our nominated mortgage who will need to complete an affordability assessment, budget planner and a mortgage buyer/cash buyer sign off form.


How to apply
You will need to complete an application and income and expenditure statement:
Application.pdf (communityhousing.co.uk)
IncomeAndExpenditure.pdf (communityhousing.co.uk)
You need to provide documents to support your application, please use the checklist to ensure you have provided everything that is applicable:
ApplicationChecklist.pdf (communityhousing.co.uk)
You also need to register on our housing register Home Choice Plus – www.homechoiceplus.org.uk – you will then be issued with a letter which we will require sight of.

A financial assessment will need to be undertaken by our nominated financial advisor who will need to complete a budget planner and a mortgage or cash buyer sign off sheet. Please find attached. This is required to comply with Homes England new regulation which came into force from the 1st August 2024.

Once you have completed the application, gathered your evidence, have your budget planner and sign off form and registered on Homechoice Plus, you can email the application with the supporting documents to: sales@communityhousing.co.uk

The Community Housing Group will then assess your application. This normally takes around a week.

Please note: Applications are taken on a first come first served basis and incomplete applications cannot be accepted.


Description
Approach
Husum Place is approached via a paved pathway that leads to the front door. For added convenience, the property benefits from parking to the side, which includes an electric car charging point, catering to the needs of environmentally conscious buyers.

Hallway
Upon entering the property, you are welcomed by an inviting hallway that provides access to the living room, kitchen, and cloakroom. The staircase to the first floor also leads from this point, ensuring easy access to all areas of the home. Additionally, a well-proportioned understairs storage cupboard provides useful space for household essentials.

Living Room
Situated off the left of the hallway, the spacious living room is ideal for both relaxation and entertaining. Three windows fills the room with natural light, enhancing the warm and inviting atmosphere.

Kitchen/Dining
To right side of the property, you will find a modern and generously sized kitchen/dining area, perfect for family meals and social gatherings. The kitchen is equipped with appliances, including a cooker, hob and extractor hood, ensuring both style and functionality. A window allows in natural light and French doors open to the garden, making it easy to enjoy al fresco dining or a pleasant breeze on warmer days.

Cloakroom
Conveniently located on the ground floor, the cloakroom is a practical feature, ideal for family use and guests.


First Floor
Bedroom One
Situated at the front of the property, bedroom one serves as the master bedroom. With a window overlooking the front, this peaceful retreat is bathed in natural light and offers ample space.

Bedroom Two
Also positioned at the front of the property, bedroom two is a spacious room. Its flexible layout makes it suitable as a guest room, with plenty of light from the front-facing window.

Bedroom Three
Positioned at the rear of the house, bedroom three is a versatile room, perfect for a child’s bedroom, home office, or additional guest bedroom.

Bathroom
The family bathroom features a modern suite including a bath, WC and wash basin. Stylishly designed, it provides convenience for all three bedrooms.


Garden
The garden is turfed and offers a lovely space for outdoor relaxation or entertaining. A shed provides additional storage for gardening tools, bicycles, or outdoor furniture, ensuring the garden remains neat and organised.

To be confirmed.

Council tax band – to be confirmed.

Reservation Fee - refundable on exchange

A reservation fee, refundable on exchange, is payable prior to the issue of the Memorandum of Sale and after which the property may be marked as Sold Subject to Contract. The fee will be reimbursed upon the successful Exchange of Contracts.

The fee will be retained by Andrew Grant in the event that you the buyer withdraws from the purchase or does not Exchange within 6 months of the fee being received other than for one or more of the following reasons:

1. Any significant material issues highlighted in a survey that were not evident or drawn to the attention of you the buyer prior to the Memorandum of Sale being issued.
2. Serious and material defect in the seller’s legal title.
3. Local search revealing a matter that has a material adverse effect on the market value of the property that was previously undeclared and not in the public domain.
4. The vendor withdrawing the property from sale.

The reservation fee will be 0.5% of the accepted offer price for offers below £800,000 and 1% for offers of £800,000 or over. This fee, unless specified otherwise, is payable upon acceptance by the vendor of an offer from a buyer and completion of an assessment of the buyer’s financial status and ability to proceed.

Should a buyer’s financial position regarding the funding of the property prove to be fundamentally different from that declared by the buyer when the Memorandum of Sale was completed, then the Vendor has the right to withdraw from the sale and/or the reservation fee retained. For example, where the buyer declares themselves as a cash buyer but are in fact relying on an unsecured sale of their property.

Once the reservation fee has been paid, any renegotiation of the price stated in the memorandum of sale for any reason other than those covered in points 1 to 3 above will lead to the reservation fee being retained. A further fee will be levied on any subsequent reduced offer that is accepted by the vendor. This further fee will be subject to the same conditions that prevail for all reservation fees outlined above.