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SAP0447 - Llys Manon, Llandybie, Ammanford, Sir Gaerfyrddin, SA18 3BN

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Brief Description **HELP TO BUY WALES** A newly built 4 bedroom detached home set over 3 floors. This property has the benefit of a 10 year build warranty and is also being offered on the HELP TO BUY WALES scheme making the price without the deposits £127499 Region Llandybie, Ammanford Category Detached Council Tax Band D £1435 Ownership Type Freehold
£169,999 with HELP TO BUY WALES £127499

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Approach - 

Pathway leads to front door with access to the rear. To the side is a road leading to off road parking

Entrance Hallway -

Doors to downstairs W.C., kitchen Diner and lounge. Stairs to first floor accommodation, radiator and coving to ceiling

Kitchen / Diner - 16'11 into bay x 9'1 - 

uPVC double glazed bay window to the front, double radiator, porcelain tiled flooring and coving to ceiling. Fitted with a range of wall and base units with roll top work surfaces over incorporating a stainless steel sink unit with drainer unit and mixer tap over. Integral oven, hob and hood. Plumbing for washing machine and space for dishwasher. 

Lounge - 16'8 x 11'4 -

uPVC double glazed window to the rear and french doors to rear. Radiator and coving to ceiling

Downstairs W.C. - 

uPVC window to front, porcelain tiled flooring, radiator and coving to ceiling.

First Floor Landing - 

Stairs to second floor landing and doors to all first floor accommodation

Bedroom 2 - 13'6 x 10' max - 

uPVC double glazed window to the front, coving to ceiling and radiator

Bedroom 3 - 12'3 x 10'1 into door recess - 

uPVC double glazed window to the rear, coving to ceiling and radiator

Bedroom 4 - 10'3 x 7'1 -

uPVC double glazed window to the rear, coving to ceiling and radiator

Bathroom - 

uPVC double glazed window to front, porcelain tiled flooring and part tiled walls. Fitted with a low level flush W.C., pedestal wash hand basin and panelled bath with shower over

Second Floor Landing - 

Door to bedroom 1

Bedroom 1 - 20'11 x 13'2 - 

uPVC double glazed window to the front. "Velux" Style window to the rear. Two radiators and doors to eaves storage housing combination boiler. door to ensuite

Ensuite -

"Velux" style window to the rear, porcelain tiled flooring and part tiled walls. Fitted with a low level flush W.C., pedestal wash hand basin and shower cubicle

Rear Garden - 

Lawned area with pathway to gate to rear parking. Tarmac area

 

HELP TO BUY WALES

Allows eligible purchasers to buy new-build homes with assistance from the Welsh Government in the form of a shared equity loan.

What does this mean in practice?

Help to Buy - Wales shared equity loans are available to both first-time buyers and home movers wishing to purchase new-build homes worth up to £300,000.

With Help to Buy - Wales, buyers won't be able to sub-let their home.

With Help to Buy - Wales: buyers need to contribute a deposit equal to 5% of the property price.

 

The Welsh Government (through Help to Buy (Wales) Ltd) will fund a shared equity loan for up to 20% of the purchase price.

Buyers will then need to secure a mortgage to cover the remaining balance.

Example Undertaking

For a property worth £200,000 Amount Percentage

Cash deposit £10,000 5%

Shared equity loan £40,000 20%

Your mortgage £150,000 75%

If in the future the home in the table above sold for £210,000 the buyer would get £168,000 (80%, based on their mortgage and the cash deposit) and pay back £42,000 on the shared equity loan (20%).

The buyer will pay off their mortgage using the proceeds of the sale and will then repay the Help to Buy -Wales shared equity loan.

Are there any fees attached to the shared equity loan?

From the time a buyer receives the shared equity loan they will be charged a small administration fee of £1 per month.

Then, in the 6th year, they'll be charged interest of 1.75% per annum of the original shared equity loan amount. After this, the interest will increase every year. This increase is worked out by using the Retail Prices Index plus 1%.

All buyers will be contacted before the shared equity loan interest starts and they'll also be sent a statement about their shared equity loan each year.

The fees do not count towards paying back the shared equity loan.

Further details of the Help to Buy - Wales shared equity loan can be found in the below guidance document.

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