Naomi and Garry, previously rented together locally but dreamt of becoming homeowners. They've now been able to move to a new home much quicker than they might imagined using the Scottish Government’s Help to Buy scheme.
“We had been renting locally so we know the area. Spencer Fields ticks the box from a location perspective because it is just really handy for our commute to work – we both work in Edinburgh so from here we can choose to get the bus, train or drive so it just makes everything really easy.”
The couple have bought, and recently moved into, a new Baxter three bedroom semi-detached and they found that using the Help to Buy (Scotland) scheme was really useful as Naomi adds: “This is our first property purchase together and our first step onto the property ladder.
“We’ve found the whole process really straightforward. Everyone says that buying a new home can be one of the most stressful things that you can do, but we’ve found the whole process to be ridiculously easy. The Help to Buy Scheme was also extremely easy to use and it made buying a new home a lot more accessible for us from a financial perspective. Everyone has been unbelievably helpful from day one.”
The couple’s move-in date was delayed due to the ongoing health emergency, but the team at Spencer Fields did a great job of keeping them informed with regular updates even just to keep in touch and provide reassurance.
When move-in day finally came the couple were absolutely delighted with their new home, as Garry explains: “Buying off-plan is great because you have the chance to pick the options available for your kitchen and bathroom, but it’s also quite strange when you’ve not seen the house you’re buying.
“It meant that our home demo with customer relations manager Fiona was quite exciting because it was the first time that we had seen inside our house. It was lovely to see the options that we had picked all come together. Everything was perfect and we were both impressed by how well the house was laid out and, of course, very excited to move-in.”
A selection of 2 and 3 bedroom homes are available to buy at Spencer Fields using the Scottish Government’s Help to Buy scheme.
With prices starting from just £174,000 for the Andrew two bedroom semi-detached, and from £199,000 for the Baxter three bedroom semi-detached – it’s an ideal time for buyers to make an appointment to visit the sales information centre situated off Hillend Road in Inverkeithing.
The current Help to Buy (Scotland) measures include a 15% equity loan which is available on new build properties up to the value of £200,000. It is possible to repay the Scottish Government at any time, and the Help to Buy (Scotland) scheme is available to both first time buyers and existing homeowners alike. Eligible purchasers will receive a Scottish Government equity loan of up to 15%, which means that buyers only need to put down a 5% deposit and may only require an 80% loan-to-value mortgage.
Kirsty McGill, Regional Sales and Marketing Director for Taylor Wimpey East Scotland, says: “Instead of lining their landlord’s pockets, renters who long to own their own home will find a choice of two and three bedroom homes at our Spencer Fields development in Inverkeithing, which are perfect for first-time buyers, young families or downsizers.
“Making a new home yours could be even easier and more affordable than you might think. In fact, you may well find that your monthly mortgage repayments are less than the amount you’ve been paying in rent. And for buyers who have a 5% deposit - they could take advantage of the Scottish Government’s Help to Buy scheme, which may mean they could be on the move to a new home sooner than they had thought possible.”
Spencer Fields is located off Hillend Road in coastal town of Inverkeithing and it offers 295 new homes with an impressive range of two, three, four and five bedroom homes in a variety of styles and sizes to appeal to a wide range of customers. Buyers will also benefit from an impressive range of local amenities and a good choice of nursery, primary and secondary schools, making this location a popular choice for families.
From a location perspective, Spencer Fields is extremely well connected. Local rail travel from Inverkeithing train station means that travel to Edinburgh can be under 30 minutes. The M90 and the Queensferry Crossing are within easy reach of the development making Spencer Fields ideal for those buyers looking to commute.
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