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buying Options

Buying Options

Looking to buy? We have homes for sale on deals you won’t get through an estate agent.

When you are ready and looking to buy, we can help you find a Curo home you can afford via various purchase options; Open Market, Shared Ownership and Help to Buy.

Open Market

Curo now offer new homes which you can purchase using a full mortgage. We can recommend independent specialists who will help with your exact requirements, so please get in touch.

Shared Ownership

If you think you can't afford to buy your own home, then Shared Ownership may be the answer for you - our colleague Serafina explains how it works in this short video.

Shared Ownership is designed to help first time buyers who cannot afford to purchase a property get into the open property market. Curo have many Shared Ownership properties available in the South West, either resale properties from previous owners or new builds.

How does it work?
Curo Shared Ownership allows you to purchase a share in a property (normally either 40% or 50%). You have the option to buy further shares when you are able - up to 100%.
On the share that you have not purchased you will pay a reduced rent. The rent charge will vary depending on the development.

What is the minimum share I can purchase?
This will vary. We always advertise the minimum share that we are able to sell (usually either 40% or 50% but may sometimes be as low as 25%).
We will carry out an affordability assessment and advise if you can purchase a larger share from day one.
The maximum share you can initially purchase on any scheme is 75%.

What will I actually own?
You will own the percentage through the Shared Ownership Lease, which is normally 99 years.

What am I responsible for?
Purchasing a Shared Ownership home has all of the responsibilities that go with any form of home ownership. You are responsible for your council tax and all your utility bills and you are also responsible for all repairs and maintenance to your home (unless you are purchasing one of our brand-new homes in which case it will come with up to two year's warranty).

Find out more here

Help To Buy

Our colleague Emily explains how Help to Buy works - find out how our customers moved in to their dream home thanks to this government-backed scheme.

Some of the homes available from Curo are new build homes which means you may be able to qualify for a Help to Buy Equity Loan.

How does it work?
The Help to Buy Equity Loan scheme is available to both first time buyers and those that have bought a property before. If you have the minimum 5% deposit and want to buy a new build home, you'll be able to access the Help to Buy Equity Loan scheme. You will need to be able to take out a mortgage for 75% of the value of the property and the government will fund the remaining 20%.

Find out more here

Curo Swift Move

Do you want to buy one of our new homes but have a property to sell? Curo Swift Move is a quicker way to sell your house at market value, while saving money on estate agent fees, advertising and marketing costs.

Here’s how it works:

  • Step 1 - you choose your new Curo home.
  • Step 2 - we arrange an independent valuation of your current home.
  • Step 3 - a selling price will be agreed with you and we’ll ask you to sign a Swift Move agreement with us.
  • Step 4 - we instruct an agent to market your property, you’ll then be asked to make a final check of the sales particulars.
  • Step 5 – we’ll work alongside you and the estate agent to help you achieve the best price for your home.
  • Step 6- when an acceptable offer is made, the estate agent will ensure things run smoothly through to completion.
  • Step 7 – move into your beautiful new Curo home!

Get in touch to find out more.

*Please note that we offer the Swift Move scheme subject to availability and eligibility. We aim wherever possible to help our customers to sell their property through this scheme. The actual move-in date may be subject to the build completion date of your new Curo home. The selling fee is arranged directly between Curo Homes and the estate agent. The Swift Move scheme cannot be offered in conjunction with any other Curo homes offer, scheme, reservation incentive or discount.

The Curo Smooth Move

Smooth Move part exchange enables you to move into a brand new Curo home while taking away all the stress, hassle and delays of selling your old one.

Who is it for?
For those people with an eye on a brand new Curo home but are worried about having to sell the property they currently own. The value of your current home needs to be at least 30% lower than the value of your chosen Curo home.

What’s next?
To find out whether you can part exchange your way to a brand new Curo home, call and book an appointment with one of our Sales Executives and see which properties are available in your chosen development.

Part exchange is only available on selected plots and developments. Part exchange will only be available where the home being traded in is no more than 70% of the selling price of the plot being purchased. Part exchange is only available up to a maximum value of £420,000 for your old property. We will appoint two independent valuers to value your home on the basis of a sale within eight to 10 weeks. If there is a discrepancy of more than 10% between the 2 valuations we will appoint a third valuation. We are under no obligation to make an offer. If you have already incurred costs (e.g. estate agents or legal fees) at the time of negotiating a part exchange Curo will not reimburse these costs. An offer made by us under the part exchange scheme is subject to any necessary further enquiries or reports We reserve the right to market the property you are selling prior to your move into a new Curo home and you agree to allow reasonable access to the property to facilitate the resale (subject to agreed appointments) and to the erection of a 'for sale' sign at the property. You agree to cancel any existing agreements with estate agents and agree that you are responsible for any fees due to them. You agree that no party is currently negotiating to purchase the property you are selling and that no introduction has already been made by any other party. On completion of a home purchase by us under the part exchange scheme we will retain a £1000 retention bond which will be refunded to you provided your old property is left in an acceptable condition and you submit accurate meter readings to utility companies. We reserve the right to refuse a part exchange and we are under no obligation to give reasons why. All valuations and decisions are final.

If you would like further information on purchasing a new Curo home using any of these options then please get in touch.

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Equity Loan
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