What is Deposit Unlock in Central Bedfordshire?

Deposit Unlock is a scheme developed by the Home Builders Federation and reinsurance firm, Gallagher Re. In order to protect themselves from the devaluation of new properties, mortgage lenders are often stricter on the amount they are willing to lend on newly built homes, often setting minimum required deposits of 15-25%. Deposit Unlock lets buyers put down a 5% deposit on a new-build home with the house builder paying to insure the mortgage to make lenders more comfortable about offering high Loan-to-Value (LTV) mortgages on new homes

What is Discount Market Sale in Central Bedfordshire?

Discount Market Sale (also known as Council Shared Equity or a reduced market value scheme) is a low-cost homeownership product where you can purchase a new-build property at a discount of up to 20%

What is Intermediate Rent in Central Bedfordshire?

Intermediate Rent (or Intermediate Market Rent) is a rental option designed to help first time buyers who can’t yet afford to buy a home, but want to save for a deposit to purchase a home within the next five years. The IMR scheme offers budding buyers the opportunity to rent a brand-new or refurbished home at less than the market rate. Homes available through Intermediate Rent are usually let on an Assured Shorthold Tenancy basis with a six-month contract period. You may have the opportunity to rent a home for longer than this initial contract period – for example, up to five years – but this will depend on your landlord’s plans for the home.

What is Rent to Buy in Central Bedfordshire?

Rent to Buy homes provide budding buyers with the opportunity to rent a new-build property on an Intermediate Rent basis for a fixed term of up to five years. The homes are let at a 20% subsidised rate with a fixed rate of inflation to help tenants save towards a home-buying deposit.

What is a new-build Shared Ownership home in Central Bedfordshire?

Shared Ownership is available on both new-build and resale homes. New-build homes are purpose-built properties that are usually part of a larger development or area regeneration.

What is a resale Shared Ownership property in Central Bedfordshire?

Shared Ownership is available on both new-build and resale homes. Resales are pre-loved properties that you can purchase through the Shared Ownership scheme where the current shared owner is selling.

Shared Ownership Central Bedfordshire | Shared Ownership Properties For Sale in Central Bedfordshire

Q: Does Shared Ownership mean sharing with someone else?

No – although this is a common misconception! The ‘shared’ element of the scheme simply means you’re sharing ownership of your home with a housing association. If you decide to buy a Shared Ownership home, you’re effectively purchasing a portion of a leasehold property. Your initial share will usually be between 10% and 75%, paying a mortgage on the part that you own and a below market value rent on the remainder.

Find a home in Central Bedfordshire on Share to Buy

Welcome to Central Bedfordshire

Central Bedfordshire is found in the historic county of Bedfordshire, one with a fascinating past and an even brighter future. Having been around since the turn of the first millennium at least, according to records, the area’s legacy lives on through its individual sense of character, gorgeous architecture and fascinating museums.

Another thing which has also been passed on through the generations is Central Bedfordshire’s natural beauty. This is displayed in its many gorgeous parks, which are perfect for nature lovers and family outings. These surroundings make Central Bedfordshire a stunning place to own a home.

If that wasn’t enough, Central Bedfordshire is also complete with excellent transport links, conveniently connecting it to everywhere from London to the north of England. This makes commuting from the big cities to this rural county setting so straightforward and means that you really can have the best of both worlds.

Not only that, but you will find properties here to be much more affordable than the giant costs associated with some parts of the capital, allowing you to enjoy greater affordability without having to sacrifice career opportunities. And once you’ve returned back to Central Bedfordshire from a hard day’s work, you can always unwind in one of its excellent restaurants, bars, cafes and pubs.

Follow the path to homeownership

Share to Buy is the country’s leading property portal dedicated to affordable homeownership and buying schemes. Our goal is to inspire, guide and empower budding buyers facing challenges in today’s housing market.

Register

1

Research your options

Housing options made clear. Use our resources to learn about different home-buying and rental schemes, and work out which might be right for you.

Access our guides

2

Check your affordability

Mortgages made manageable. Use our affordability calculator to work out how much you may be able to borrow to buy a home.

How much can you borrow

3

Find your new home

It’s time to find your space. Head to our free property search tool and use filters to find your new home.

Search for homes

Search in Central Bedfordshire for your new home

Share to Buy lists thousands of properties across the country, available through affordable homeownership schemes such as Shared Ownership, First Homes, Deposit Unlock, Rent to Buy and more. Aspiring homeowners can start their search on our property portal.

If you want to keep up to date with affordable homes in Central Bedfordshire, be sure to sign up to Share to Buy and register to receive alerts.

Affordable housing options in Central Bedfordshire

What first time buyer homes are available in Central Bedfordshire? Am I eligible for homes in Central Bedfordshire? How much do new homes in Central Bedfordshire cost?

Whether you have questions about specific housing schemes, the buying process, or mortgages and affordability, we’ve got you covered. Offering a clear path to expert information, check out our FAQs and guides to learn more.

Explore Shared Ownership homes for sale in Central Bedfordshire

For budding buyers who believe that purchasing a home is out of reach, Shared Ownership houses and Shared Ownership apartments in Central Bedfordshire could help them take those vital first steps onto the property ladder. The Shared Ownership scheme is available on a variety of property types across the country, including cosy studios, stylish apartments and traditional family homes.

If you’re a first time buyer, growing family or someone looking to downsize in the East of England, then a Shared Ownership home in Central Bedfordshire could be the ideal solution.

Ready to get started? Step onto the housing ladder by exploring our listing of Shared Ownership properties in Central Bedfordshire, including Shared Ownership new-build and Shared Ownership resale homes.

Home-buying guides

Knowledge is key. Check out our expert guides and articles to learn about housing options and the buying process.

All guides

How to start your property search

A guide to property viewings

A complete guide to mortgages

Shared Ownership: What is it and how does it work?

Bright open plan kitchen and dining room space

Rent to Buy: What is it and how does it work?

Deposit Unlock: What is it and how does it work?

First Homes scheme: What is it and how does it work?

Discount Full Ownership: What is it and how does it work?

Discount Market Sale: What is it and how does it work?

Intermediate Rent: What is it and how does it work?

Affordable housing in your area

Find your way home. If you’re interested in first time buyer homes, affordable housing schemes or affordable rental options, learn more on Share to Buy.

Access more FAQs

What is Shared Ownership?

Shared Ownership is a government scheme that allows buyers to purchase a share in a property, usually between 10% and 75%, while paying a reduced market rent to a housing association on the remainder. The scheme gives first time buyers and those that do not currently own a home the opportunity to purchase a share in a new-build or resales property.

Learn more about Shared Ownership

What is Rent to Buy?

What is Discount Market Sale?

What is Help to Buy?

What is Deposit Unlock?

What is Intermediate Rent?

What is a new-build Shared Ownership home?

What is a resale Shared Ownership property?

Read Story

Featured Developers

The country’s leading providers of affordable homeownership and buying schemes list their properties on Share to Buy.

More housing providers

Origin Housing

We pride ourselves in building homes designed by impressive architects in great locations….

LiveWest

We are the largest provider for affordable housing in the South West, and we believe in a …

Aster Group

Hi! We’re Aster, a housing association working towards our vision of ensuring everyone has…

Properties for sale and rent in Central Bedfordshire

Share to Buy lists thousands of homes nationwide. Explore a selection of properties to buy or rent in your area, including those available through Shared Ownership, First Homes, Deposit Unlock, Rent to Buy and more. Continue your search today.

More homes