The People

We are proud that we have been able to help so many people to find a home. Below is a small selection of these people, happy to share their experience with you.

Rachel Ginger , aged 20

Rachel Ginger and her boyfriend Kevin Grantham wanted to buy their first property together in St Ives but found the high cost of house prices kept them from being able to afford a place of their own.

Rachel, 20 and Kevin, 25, wanted to stay in the area to be close to family and were delighted when they found out they had been successful in their bid to move into one of the first new affordable homes to be built in St Ives in 10 years.

Rachel said: “If it wasn’t for the shared ownership scheme we would never have been able to buy a house. It would have taken us years to save for a deposit and we couldn’t have afforded a mortgage.

“After waiting for a year to get a place of our own, we were delighted to have been able to move into our new home in Burleigh Close and it’s fantastic. The house is lovely and you can tell a lot of care and attention has been put into building it.”

Rachel Ginger , aged 20
Hannah Joseph

Hannah Joseph didn’t think she would ever be able to join the property ladder - until she found out about Shared Ownership.

The 26-year-old had heard about shared ownership from colleagues, and after looking around one of the new apartments available at Cambourne, Cambridgeshire, knew it was the right thing to do.

Hannah has now moved into a top floor two-bedroom apartment, which benefits from its own balcony with views over a lake Hannah said: “When I saw the apartments at Cambourne I was amazed. There is no way I would have been able to afford a place like this without the help of shared ownership.

“.. it is virtually impossible to join the property ladder. Even the cost of renting is a stretch, and that is just throwing money away.

“I am really pleased with the flat, and it is great to know that I have made the first step towards owning my home.”

Hannah Joseph
Jennifer Keene, aged 30

Jennifer Keene, aged 30, was still living with her parents when she heard about bpha affordable home ownership options.

Despite a salary of £25,000 Jennifer could not afford a big enough mortgage to buy a place of her own. But after discussing things with bpha she discovered she could afford a one bedroom flat in Bedford.

Jennifer moved into her new flat in November 2007 and is delighted to finally branch out with her own place. She said: “The best thing about owning a home is having space. It’s a nice area to live in and I’m now within walking distance of my work, which is perfect.

“The scheme gave me the lift I needed to get started on the property ladder and I’d definitely recommend it to others.”

Jennifer Keene, aged 30
Gladys and Reuben Chirairo

Reuben Chirairo hoped his new career would mean he could finally buy a house for his family.  But with a starting salary of £19,000, Reuben’s dream seemed out of reach - until he heard about the Options to Buy shared ownership scheme.

Previously Reuben, his wife, his 17-year old daughter and 19-year old son were living in a crowded two bedroom rented house in Luton. Reuben needed to stay in the area – but to buy a three bedroom house Reuben needed a mortgage eight times his salary. Desperate to move into a bigger place, Reuben finally decided to join the housing waiting list, and it was then he was advised to consider our home ownership options.

After applying for the scheme in November 2006, Reuben was able to buy a three bedroom house that he could never have afforded outright. Reuben and family moved into their new house in Dunstable in August 2007.

Reuben said: “I was surprised at how easy it was to apply for the scheme. Without it we would have had to apply for a council house and would never have been able to afford a place of our own.

“Not only is the house bigger, it’s also in a more secure location and has meant I have really been able to make a difference for my family”.

Gladys and Reuben Chirairo
Simon Cutting and Elke Rockey

When Simon Cutting and his girlfriend Elke Rockey wanted to move in together, they struggled to find anywhere that they could afford in the local area.

Steven and his six-year-old son, Aiden, were still living with Steven’s parents in Bedford and Elke was living in a one-bedroom flat In Milton Keynes. The maximum they could afford was around £130,000 – which at best would buy a small two-bedroom house in the Bedford area.

Elke had heard about the shared ownership scheme offered by bpha through a friend. Keen to make the most of the opportunity, the couple decided to apply in April 2007.

By September 2007, Steven, Elke and Aiden had moved into their three-bedroom home in Sharnbrook, Bedfordshire. Worth £170,000 the property was much bigger than anything they could have previously afforded.

Elke said: “The people at bpha were so helpful in explaining the scheme and applying was really straightforward. I would thoroughly recommend it to anyone who is in a similar situation.”

Hannah Joseph
Challenge Fund 2 - Fishermead, Milton Keynes

With their wedding looming yet still both living with their parents, Nicole Balchin and Andrew James were desperate for a place to call their own.

Nicole and Andrew, who met while both working part-time at a DIY store, didn’t want to throw money away on rent, but thought there was no way they could afford a place on their own.

But thanks to the Shared Ownership scheme, the 20-year-olds moved into a brand new two-bedroom home at Fishermead, Milton Keynes, built as part of the Challenge Fund 2 initiative.

Nicole said: “We were earning reasonable money but there is just no way we could have afforded to buy something in this area.

“We really didn’t want to get married and have to move back in with our parents, but didn’t fancy throwing money away on renting either.

“Our new home is fantastic and we are so pleased to have a place to call our own. It means we can get on and plan for our wedding next year, and not worry about where we are going to live.”

Hannah Joseph
Sarah Irwin

Sarah Irwin was delighted when she picked up the keys to her new two-bedroom home in Stretham, Cambridgeshire – and said goodbye to renting.

In taking up the offer of shared ownership, the 24-year-old almost halved the amount she previously spent on rent.

Sarah said: “The lease was due to run out on my flat in Cambridge and I decided that it would be better to buy rather than rent again.

“I heard about the scheme from colleagues and found out there was an open day planned for the homes in Stretham. I was so impressed. The houses are all lovely and I decided there and then.”he houses are all lovely and I decided there and then.”

The end terrace house comes with a host of features Sarah did not expect to find, such as a downstairs toilet, laminate flooring, two good sized bedrooms and a car port

She said: “I have friends with three-bedroom houses that aren’t as spacious and the attention to detail is really good.”

sarah irwin

Featured Properties

Available Now, Cambridgeshire
bpha options building
Sale
Share Price
£130000
Monthly Rent
£893.75
Bedrooms
3
Available Now, Cambridgeshire
bpha options building
Sale
Share Price
£230000
Monthly Rent
£527.08
Bedrooms
2
Available Now, Cambridgeshire
bpha options building
Sale
Share Price
£110625
Monthly Rent
£760.55
Bedrooms
2
Available Now, Cambridgeshire
bpha options building
Sale
Share Price
£100500
Monthly Rent
£552.75
Bedrooms
2
Available Now, Cambridgeshire
bpha options building
Sale
Share Price
£193000
Monthly Rent
£663.44
Bedrooms
3
Available Now, Cambridgeshire
bpha options building
Sale
Share Price
£209600
Monthly Rent
£720.50
Bedrooms
3

Login to your account