Our aim is to make your next house move as easy and as stress-free as possible. That is why we have compiled a list of frequently asked questions to help you along the way. If you need any more information, please get in touch.
At Thirteen, we’re a caring landlord and developer, providing a vast range of homes for rent and sale, with more than 33,000 properties from North Tyneside to York, with the majority in the Tees Valley.
At Thirteen, we provide our customers with homes, support and opportunities to grow.
In July 2017, Erimus Housing, Housing Hartlepool, Tees Valley Housing, Tristar Homes and Thirteen Care and Support joined in partnership to create one strong social purpose business called Thirteen.
Our 1,500 colleagues provide services for more than 70,000 customers across the Tees Valley and other areas of the North East, including North Yorkshire, County Durham, and Tyne and Wear.
Homes to rent and buy
Whether customers are looking to rent or buy, we have a range of properties to suit all needs.
Our reason for being is to provide good quality homes and support for those in housing need. We provide support for anyone who needs a little help: help to get on the housing ladder, help to pay the rent, help to keep their home in good repair.
As well as property for rent, we have a track record in providing homes for outright sale, shared ownership and deferred sale. By 2022, we also have plans to build thousands of new homes and invest more than £100m in improving the homes we manage.
Help and support
We don’t just provide and build homes. Thirteen is a social purpose business that values and uses commercial skills to meet our priorities.
Our care and support services offer help for vulnerable people facing a range of challenges.
We also offer a range of housing support services including money advice, extra care schemes to help people live independently for longer, adaptations to homes, help with anti-social behaviour and more.
We will have a range of two, three and four-bedroom homes that will be available across a range of tenures. You will be able to buy a home either outright, with some help from a Help to Buy: Equity Loan or with Help to Buy: Shared Ownership. If you can’t afford to buy we will have a select number of homes that you could rent from us.
We plan to deliver 190 homes in total; 95 will be available to buy, 24 will be available through Help to Buy: Shared Ownership and the remainder will be for rent. These homes will be mixed throughout the development.
If you are buying a home, please refer to the specification on the property listing pages. Our homes for sale generally include items that you would expect when you buy a new home including a NHBC warranty and an oven hob and extractor. We also include items that you could pay extra for with other housing developers like mixer showers and tiling round the bath, turfed and fenced rear gardens and TV aerials already fitted.
The specification for our rented homes differs slightly, please refer to the details on rented homes.
The Help to Buy Equity Loan is a scheme designed to help to you buy a new build home up to the value of £600,000. An equity loan between 10-20% is available to make your purchase more affordable and you will only need a 5% deposit.
The scheme is for any buyer who is looking to purchase a new build home.
Whether you’re looking to get on to the property ladder or move up it, we’re here to provide you with the assistance you need. Obviously, there are certain criteria you must meet in order to qualify for a Help to Buy: Equity Loan.
For us to be able to help you, you must be able to:
- Fund up to 75% of your chosen property through a conventional mortgage – you must take out a minimum of 25% as a mortgage
- You must not be borrowing more than 4.5x your gross household income (minus any debts)
- Your monthly repayments (mortgage, equity loan interest and any services charges) must not be more than 45% of your monthly net household income (minus any debts)
- Have no other residence or properties in your name or have any properties in your name before the completion date
- Not rent out your existing home and buy a second home through Help to Buy
- Have access to a minimum 5% deposit
We will then carry out an assessment of your application to make sure you are in a position to afford a mortgage for your proposed purchase before you complete an application form through Help to Buy NEYH. The Help to Buy: Equity Loan is provided by the Homes and Communities Agency and its contribution is secured by a second charge on your property title registered at Land Registry.
For more details, please read our dedicated Help to Buy: Equity Loan pages where you will find a detailed guide and further information.
Shared Ownership is a government scheme aimed to help buyers get on to the property ladder.
You only need to afford to buy part of a property, not all of it.
Shared Ownership allows you to buy your home (selected properties only) in stages, as you can afford it. This is called staircasing and you can buy more shares as and when you can afford it.
The scheme is suitable if you:
- Are a first-time buyer living in rented accommodation or with family
- Have experienced a relationship breakdown
- Cannot afford to buy on the open market
- Are a current homeowner in certain circumstances
To start with, a share percentage will be offered, which will be between 25-75%. This will be the share you take a mortgage out for and it will become yours. This means your deposit will be worked out based on the share price.
Thirteen will own the remainder that you don’t buy and you will pay a discounted rent to them for this share.
What are the benefits of Shared Ownership?
- You can buy a share in a home that you wouldn’t normally be able to afford
- You can buy additional shares as time goes on and you save more money
- In some cases, it can be cheaper than renting
- You can sell your Shared Ownership property at any time and will benefit from any increase in value it’s seen since you bought it
- Greater independence, control and choice that you wouldn’t have when you’re renting
- Long-term security, you can choose how long you live in your home; this could be for the rest of your life
We have loads of information including a handy guide on our dedicated Help to Buy: Shared Ownership pages.
With 1,000’s of properties for sale at any one time in the local marketplace why is buying a new home a better option than buying something that’s second hand? Buying from new offers a number of advantages over second hand or pre-owned homes including:
- You home comes with a NHBC warranty that ensures the quality of the home from day one
- A new home is a fresh start and a blank canvas meaning you can put your own style on the home and you don’t have to suffer the previous owners dodgy DIY
- Improved specification and incentives are great ways to keep the cost of a new home down; ask your sales executive what’s included in your new home and how they can do to get you moving
- Giving you choice. You will normally have a range of house types and plots to choose from as well as kitchen and tile choices. This means you could tailor your new home to your specification and you can select the right plot for you
- More affordable than buying second hand as you can choose from Help to Buy: Equity Loan or shared ownership (subject to availability) and this can allow you to buy a home that you normally wouldn’t be in a position to afford
- Less hassle as you don’t have to wait for someone to move out of the home you are buying. A shorter chain reduces uncertainty and stress that’s often associated with buying a second-hand home
- Greener and cheaper to own and run. As new homes are built to the latest building regulations, their efficiency and green credentials are great for you as they are cheaper to run than older second-hand homes and they reduce carbon dioxide emissions.
Thirteen started the construction in late 2016 and the work is forecast to end in the summer of 2019.
The first homes will be ready to move into at the end of 2017 and there will be a number of phases until completion in 2019.
Thirteen Group is not developing the area that borders on to Castle Road. This will be developed by Harrisons and its intention is to build family housing and potentially a care home.
Thirteen has partnered with leading local and national estate agency Bridgfords to provide sales services at Chancel Meadows. You will be buying a home from Thirteen and Bridgfords will be acting as our agent.