35 new homes are being developed in Clay Cross, offering a flexible option for local tenants looking to get on the property ladder.
Six two-bed houses and a three-bed home were on display to the public recently, to showcase the new development at Clay Lane.
These homes have been built in partnership with North East Derbyshire District Council, Rentplus, and Woodall Homes, helping fill the need for affordable quality homes in the district.
The scheme is the first affordable rent to buy scheme in NE Derbyshire. Tenants move in with no deposit and pay an affordable rent (which includes all repairs and service charges) which gives tenants the opportunity to save towards a future mortgage.
At key pre-set points at years 5, 10, 15 or 20 they can buy their home and are given a 10% sum from Rentplus towards their savings. The average total household income of tenants on the scheme is £33,000 and the properties have been allocated to local residents, mostly key or essential workers. who otherwise would have struggled to purchase a property on the open market.
Steve Collins, CEO of Rentplus explains why affordable rent to buy schemes are needed: “With the average house price for first-time buyers in North East Derbyshire over £211,000, many working households on lower or middle incomes are locked out of home ownership as they are unable to save enough for a deposit, even though they could afford mortgage repayments.
“Tenants move in without paying an initial deposit and then rent their home at an affordable rent (which includes all repairs and service charges) for between 5 and 20 years whilst they save. When ready to buy, they receive a gifted deposit of 10% from Rentplus towards their savings”
North East Derbyshire District Council Leader, Councillor Nigel Barker said: “I’m delighted to see such a fantastic scheme for some of our wonderful residents, who will be moving into these brand new houses in the coming weeks. In our Council Plan, we have demonstrated our commitment to increasing the number of affordable homes in the district in the years to come.”
MP Lee Rowley has also welcomed the scheme: “I’m very impressed with what I have seen today and I’m looking forward to seeing people move into their Rentplus home. They key thing is to give people choices: whether to rent or to buy, or something in-between. What’s so good about this is that it allows people to become homeowners in the medium or long term but doing it in a way that helps people in the short term.”
Did you know that Chesterfield was recently ranked as the 2nd best place in the UK to raise a family? Find out more about the excellent lifestyle offered to residents in Chesterfield and North Derbyshire at: https://www.chesterfield.co.uk/about-chesterfield/living/
Woodall Homes supports the marketing and economic growth of the town through Chesterfield Champions, a network of over 200 organisations across Chesterfield and North Derbyshire.