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The option to Staircase is at your discretion as and when you're in a position to do so. However, Staircasing has many benefits for Shared Ownership customers who aspire to eventually own their own home.
What is the Staircasing process?
Contact us on staircasing@longhurst-group.org.uk and we'll provide you with further help and information and advise of any promotions that may be available to you.
Do your own research on the potential current value of your home and speak to your mortgage lender and an IFA.
Advise us that you'd like to proceed. We'll arrange for a RICS valuation to be undertaken on the property to determine the property’s current open market value. The valuation will be valid for three months.
Once the valuation has been undertaken, we'll provide you with confirmation of the property’s value along with the costs of additional shares and the rent/service charge amount that you'd be required to pay after your Staircasing purchase, if applicable.
Return the signed and completed Notice to Proceed Form, confirming the amount of shares you'd like to purchase and provide your solicitor's full contact details.
We'll then instruct our solicitor. The solicitors will work together to produce the legal paperwork which will be signed by both parties and a date set for completion.
Keep in regular contact with your solicitor and respond to any requests for information quickly.
The sale completes and we'll update your rent account and direct debit amount to reflect the new rent payable (if you've purchased an additional share) or close your account (if you've staircased to be the outright owner and no on-going service charges are payable). Any overpayment in rent will be returned to you via our Leasehold Management Team after completion.
If you've staircased 100 percent and own your home outright, remember to: - Cancel your rent direct debit - Arrange your own buildings insurance.
For more information about Staircasing you can visit our website by following the 'Important Links' section on this page.
The option to Staircase is at your discretion as and when you're in a position to do so. However, Staircasing has many benefits for Shared Ownership customers who aspire to eventually own their own home.
What is the Staircasing process?
Contact us on staircasing@longhurst-group.org.uk and we'll provide you with further help and information and advise of any promotions that may be available to you.
Do your own research on the potential current value of your home and speak to your mortgage lender and an IFA.
Advise us that you'd like to proceed. We'll arrange for a RICS valuation to be undertaken on the property to determine the property’s current open market value. The valuation will be valid for three months.
Once the valuation has been undertaken, we'll provide you with confirmation of the property’s value along with the costs of additional shares and the rent/service charge amount that you'd be required to pay after your Staircasing purchase, if applicable.
Return the signed and completed Notice to Proceed Form, confirming the amount of shares you'd like to purchase and provide your solicitor's full contact details.
We'll then instruct our solicitor. The solicitors will work together to produce the legal paperwork which will be signed by both parties and a date set for completion.
Keep in regular contact with your solicitor and respond to any requests for information quickly.
The sale completes and we'll update your rent account and direct debit amount to reflect the new rent payable (if you've purchased an additional share) or close your account (if you've staircased to be the outright owner and no on-going service charges are payable). Any overpayment in rent will be returned to you via our Leasehold Management Team after completion.
If you've staircased 100 percent and own your home outright, remember to: - Cancel your rent direct debit - Arrange your own buildings insurance.
For more information about Staircasing you can visit our website by following the 'Important Links' section on this page.
