How Housing Association Schemes Work
Housing Associations
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Housing Associations

The aim of housing associations is to build low cost homes for first-time buyers or for people re-entering the housing market.

Traditionally housing associations built affordable rented accommodation, but in recent years their remit has expanded and they are now offering schemes to allow people to get a foot on the house-purchasing ladder.

Originally, the schemes that they offered were aimed at low-income earners, but as property has become increasingly expensive, the mortgage schemes that are now available are attracting a much larger cross section of the population.

Teachers, nurses, trainee doctors, police officers and IT workers are just a few of the professions from which purchasers are coming.

 
 
Lender Initial Rate Duration Standard Rate Overall Cost For Comparison Max Loan To Value Fee
1.99%2 years3.94%3.7% APR60%£1499
2.45%2 years5.69%5.4% APR75%£999
2.49%2 years4.99%4.7% APR70%£499
2.59%2 years5.64%5.1% APR75%£990
2.59%3 Years4.99%4.4% APR60%£598
2.65%3 years5.49%4.8% APR75%Nil
2.65%2 Years5.69%5.5% APR75%£999
2.69%2 years4.99%5% APR75%£795
2.74%To Mar 20144.99%4.8% APR75%Nil
2.89%2 years4.99%4.7% APR75%£795
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