Moving home is one of the most stressful things that you’ll ever do, but luckily, our experienced team members will be with you every step of the way! The process of securing your new home is:
Your frequently asked questions about buying a home, answered:
Make sure you do your homework to find what your credit score is, how much you can borrow and how much deposit you need to provide – at this point you’re able to get a mortgage in principle, but don’t worry, this doesn’t tie you into anything.
Don’t forget to factor in all the additional up-front costs too, such as stamp duty, valuation fee, surveyor fees and legal fees. You’ll then have to bear in mind on-going costs such as contents and building insurance, council tax and utilities.
To sign up to our mailing list and get exclusive updates on new build developments and homes for sale, scroll to the bottom of the homepage and fill in the ‘Be in the Know’ section. Enter your details and the types of properties you’re interested in, click submit and you’re done!
Visit our ‘Find a home’ page, where all our available properties are listed.
You can also sign up to our emails which provide regular updates on the homes that we have for sale.
Follow us on Facebook, Twitter, Instagram and LinkedIn too – we regularly post news and updates on the latest homes!
If you haven’t already, we’d suggest you apply for a decision in principle at this point. Make sure you do lots and lots of research and carefully consider all your options before you sign up to a mortgage. We have several trusted, independent advisors who we’d be happy to recommend.
Once your mortgage is in place, you’re able to reserve the house of your dreams! Generally, we charge a £500 reservation fee, but please check with a member of our Sales Team to confirm. Once you’ve reserved your home, no one else can reserve it.
Found your perfect Open Door home? Great! You will need the following things to hand in order to reserve your brand new home:
Shared Ownership reservation details will vary. Please contact our Sales Team to discuss shared ownership reservations further.
As part of your mortgage application your lender will need confirmation of what your home is worth and what you’re paying for it. For a small fee, they will organise a valuation and survey, which will check the condition of the home you’re buying.
Solicitors look after all the legal aspects of the home buying process. Although it often sounds like boring legal waffle, you need a solicitor to make everything happen, so that the property is legally and officially yours.
Always remember to shop around for the best rates and ask your friends, family and colleagues for their personal recommendations too. Don’t forget you’ll need a solicitor that specialises in conveyancing.
Shared Ownership is an affordable way of getting onto the property ladder. You buy a share of a home - between 25% and 75% and pay reduced rent on the remainder.
No one at all! The reference to ‘shared’ describes the relationship between you (the homeowner) and the housing association (in this instance Halton Housing).
If you already own your own home, including a home overseas, you may not be eligible for Shared Ownership. However, if you need to buy a larger home and can’t afford to make this move, you may still be eligible. Every application we receive is assessed on a case-by-case basis; you’ll need to demonstrate that you’re in housing need and have a sale agreed on your existing home before applying.
Your application for a Shared Ownership home will be based on your current housing and financial situation. But if you have any equity from the sale of a previous home, this will be taken into account.
Depending on your mortgage provider’s requirements, you will need a minimum of a 5% deposit for the share that you are buying. For example, if you are buying a 25% share of a £200,000 home (£50,000), your 5% deposit would be £2,500.
Like any house purchase, there are a number of fees that have to be paid. These include a reservation fee (usually £500 secures your home and is deducted when the sale completes), solicitors fees, mortgage survey and mortgage arrangement fees, stamp duty (where applicable) and removal costs. There are also costs to consider once you’ve moved in, such as council tax, contents insurance, mortgage protection insurance, gas, electric and water bills. If you’d like further information on expected fees, please ask and we can share more details.
No. The share you buy is based on information gathered during an affordability assessment, initial shares range from 25% - 75%.
All Shared Ownership homes are initially leasehold as you own part of the home, with a housing association owning the remainder. In most instances, once you’ve bought the remaining shares in your home (100%), then you will own the freehold too. There are exceptions to this, including flats or apartments and homes in a Designated Protection Area.
Other than in extenuating circumstances and with prior permission from the Open Door team, subletting a Shared Ownership home is not permitted.
A service charge covers the cost of the maintenance of any communal or external areas for the development in which you’ve bought your home and not just specifically for your house or apartment. Areas include gardens, pathways, playgrounds, and hallways. Service charges are usually paid monthly and are reviewed annually. They are set on a development-by-development basis; please speak to our Sales Team if you would like further details and a full breakdown of costs regarding the development you are interested in.
Rent is calculated dependant upon the share you are buying. It’s usually 2.75% of the unsold share. Rent is paid monthly and the rent charge will be confirmed when you reserve your home.
Any repairs or maintenance to a Shared Ownership home is the responsibility of the buyer, regardless of the share purchased.
Usually, the warranty period is twelve months for any defects that need addressing, but please note that this is from the date that the house build was completed and not the date that the sale completes.
No, unless you decide to staircase to own 100% of your home, we are responsible for the building insurance policy and your home is covered by our block policy. However, all homeowners must organise their own contents insurance.
Yes - if the value of your home increases, then so does the value of your share. However it’s important to remember that the value of your home could also decrease.
Absolutely. You can buy more shares usually up to 100%, at any time. This process is called staircasing.
You can sell your Shared Ownership home at any time. Unless you own 100% of your home, you will have to pay for a RICS valuation before it goes on the market. Any potential buyers will have to be approved by our Sales Team to ensure they are eligible for Shared Ownership and that its an affordable and sustainable option for them.
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Open Solutions (OSUK) Ltd Privacy Notice
Who we are
Open Door is a trading name of Open Solutions (OSUK) Ltd. OSUK is a subsidiary of Halton Housing, a charitable housing association.
Halton Housing is a registered provider of social housing, or housing association. We are regulated by the Regulator of Social Housing.
Halton Housing is a data controller of your personal data. This means we are responsible for collecting and using information about you so that we can deliver services to you.
About this Notice
This Notice lets you know how we use the information you give us.
We may change this privacy notice from time to time in order to reflect changes in the law and/or our privacy practices.
As well as this notice, we may provide you with other privacy notices in future to deal with specific occasions when we are collecting or processing personal information about you. It is important that you read all such privacy notices so that you are aware of how and why we are using such information
How to contact us
We have a dedicated Data Protection Officer (DPO). You can contact our DPO at firstname.lastname@example.org or in writing at:
Data Protection Officer
PO Box 631
What kinds of personal information about you do we process?
Personal information that we use includes, where relevant:
Personal information that we use includes, where relevant:
Sales/Shareownership/rent to buy
What do we use your personal data for and what are our legal grounds for this?
To arrange property viewings. This is necessary to enter into a contract with you.
To carry out landlord and credit reference checks. This is necessary to enter into a contract with you.
To respond to contacts you make with us regarding your contract with us. This is necessary to for the performance of the contract between you and us.
To set up and manage your tenancy. This is necessary to enter into a contract with you and for the performance of the contract between you and us.
To carry out inventory checks. This is necessary to enter into a contract with you, and for the performance of the contract between you and us
To deliver repairs and other works to your home and any communal areas. This is where necessary for the performance of the contract between you and us and meet our legal obligations.
To take rent payments and manage your rent account. This is necessary for the performance of the contract between you and us.
To take any legal action necessary for breach of tenancy. This may be necessary for the performance of the contract between you and us and in our legitimate interests.
In order to offer you a home for sale/shared ownership we need to understand your financial history and to understand your ability to make mortgage payments.
To process service charge payments and recover any service charge arrears. This is necessary to for the performance of the contract between you and us.
To issue annual service charge statements. This is necessary to for the performance of the contract between you and us.
To consult with you on major works. This is necessary to meet our legal obligations.
To recover any monies due for the cost of major works. This is necessary to for the performance of the contract between you and us.
To deliver our obligations for repairing communal areas. This is necessary to for the performance of the contract between you and us.
To respond to any enquiries or complaints you contact us about. This is necessary for the performance of the contract between you and us.
To take any action necessary for breach of your lease. This may be necessary for the performance of the contract between you and us and/or where it is in our legitimate interests to do so.
Sharing your data
When we use your data for the purposes described above, this may include sharing your data with third parties. We will only share your data where we have a legal obligation to do so, where it is necessary for the performance of a contract between you and us and/or it is in our legitimate interests.
The third parties we may share your data with include contractors, suppliers and service providers acting on our behalf to provide services to you. We may also share data with bodies such as the local authority, utility companies and DWP.
What should you do if your personal information changes?
You should tell us so that we can update our records. You can do this by emailing email@example.com
How long do we keep your information for?
We only keep your information for as long as it is needed. This is so that we can meet our operational needs and to meet any legal and regulatory requirements. We use guidance from the National Housing Federation to help us decide how long we should keep your information for.
How do we keep your data secure?
We hold all our data in a secure data centre and back it up to a separate disaster recovery site. Access to data is strictly controlled and monitored. All devices and servers are kept up to date with security patches and virus definitions. Our systems are regularly audited and tested to make sure that we are following procedures and to detect and address potential security risks.
What are your rights under data protection law?
Data Protection legislation provides rights for individuals over their data.
A list of these Rights, and more information about what they mean can be found at the Information Commissioner’s Office website, https://ico.org.uk/
Telephone: 08456 30 60 60 or 01625 54 57 45
Who can I complain to if I am unhappy about how my information is used?
You can complain directly to Halton Housing’s Data Protection Officer at firstname.lastname@example.org or in writing to:
Data Protection Officer
PO Box 631
OSUK Limited and its brand name Open Door aim to provide a good quality Property Management and Sales Service. However, if for any reason you are dissatisfied with the service you receive, we have a Complaints Procedure which should be followed to make a complaint.
Our Complaints Procedure is open to anyone who receives or requests a service from Open Door including Purchasers, Tenants, Leaseholders and staff from other businesses that we deal with.
It is accepted that most complaints will be made informally to front-line staff and will be resolved at this stage without the need for further action. If we receive a complaint from you and we feel it is appropriate in the circumstances, then we may telephone you in an attempt to resolve the matter immediately.
Complaints may include:
• Delays or failure to provide a service
• Dissatisfaction with our policies and procedures
• Perceived unhelpful behaviour or treatment by staff or contractors
If your complaint is not resolved informally, and you feel that you need to take the matter further and raise a formal complaint, please write to the address below setting out your concerns together with copies of any documentation which will help us to investigate.
Please title any complaint emails with the word ‘complaints’ within the subject.
It is Open Door’s objective to resolve your complaint to your satisfaction within this first stage of the formal complaint’s procedure. The complaint will be acknowledged in the first instance within 3 working days. The appropriate manager will work to address all your concerns, provide detailed explanation to the matters raised and, where necessary, offer appropriate resolution.
If you feel the matter needs to be taken further then, upon your request, the complaint will be escalated. The Managing Director will review your complaint and will aim to provide a response within 10 working days.
If you are not satisfied following the Managing Directors review & response, then you can refer your complaint to The Property Ombudsman.
Ombudsman Service, Property
It is a legal requirement for Open Door to offer access to an Ombudsman scheme if a dispute is not resolved to your satisfaction or, in any event, within 12 months from you notifying Open Door of your complaint.
The Property Ombudsman and their contact details are as follows:
The Property Ombudsman
43-55 Milford Street
Tel: 01722 333 306
By using the website www.opendoor-properterties.co.uk, you agree that we can store and access cookies, IP addresses and use other methods in order to collect website usage data and improve your online experience.
This can include information about your use of the website, the browser and device type you are accessing it from and the content you are browsing on our website.
Cookies are small files that are placed on your computer by websites that you visit or certain emails you open. They are widely used in order to make websites function properly, as well as to provide business and marketing information to the owners of the site.
Cookies are often used to promote content you have expressed an interest in on a website by viewing it. Cookies allow marketing teams to promote products and services you have viewed on a website to you after you have left the website.
Cookies are used for technical reasons to enable the efficient working of www.opendoor-propertirs.co.uk For example, to:
Cookies are used to gather statistics on how visitors use our site. For example, to:
Cookies are used to enable us to present appropriate messages to you. For example, to:
You can choose to opt out of this type of advertising permanently by going to http://www.networkadvertising.org/choices
Please note though, that if you delete your cookies too, we’ll no longer know that you’ve opted out, so the banners from our third-party will reappear when you visit other selected websites.
You may refuse to accept cookies by altering the settings on your internet browser (for example Internet Explorer, Chrome and Firefox). Please note that if you choose not to permit cookies some areas of our website may not function properly or be accessible.
Please note though, that if you delete your cookies:
Online behavioural advertising (also known as interest-based advertising) is a way of serving advertisements on the websites you visit and making them more relevant to you and your interests.
Shared interests are grouped together based upon previous web browsing activity and web users are then served advertising which matches their shared interests. In this way, advertising can be made as relevant and useful as possible. Relevant ads can also be delivered based upon the website content you have just been viewing. This is known as ‘retargeting’.
For more information refer to http://www.youronlinechoices.com/uk/
There are a number of sites which can help you opt out of online behavioural advertising from the third-party advertising agencies that operate online behavioural advertising for website publishers.
Please note that opting out of online behavioural advertising using those services:
It is worth noting that deleting browser cookies can remove your opt out preferences, so you may need to opt out again.
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