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	FirstBuy is a government backed initiative to help 1st time buyers onto the property ladder
	20% equity loan interest free for 5 years Own all of your home but only pay 80% of the price now All you need is a 5% deposit Lower monthly mortgage payments Hurry - Available now at: Cuerden Grange, Chorley Healey Fold, Rochdale Barrow Brook Grange, Clitheroe Greensbridge Gardens, Westhoughton
	*Eligible applicants will be offered an equity loan of up to a maximum of 20% of the purchase price (based on the open market value). Applicants are required to fund at least 80% of the purchase price by means of a conventional mortgage, savings and any deposit where required. Applicants must obtain their conventional mortgage from a Qualified Lending Institution. For the first five years there is no fee charged on the equity loan component. At the start of year six a fee is collected of 1.75% of the market value of the property at the time the loan is entered into multiplied by the outstanding percentage under the equity loan, the annual fee of 1.75% will be uplifted by RPI + 1% p.a. The equity loan is provided by the HCA and developer and held as a joint second charge. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
	OR
	Why struggle to save your deposit when you could move right now?
	20% of your mortgage interest free for 5 years All you need is a 5% deposit Own all of your home but only pay 80% of the price now Lower monthly mortgage payments We'll give you five years to pay us back Hurry - Available now at: Cuerden Grange, Chorley Healey Fold, Rochdale Briarwood, Ewloe For further details call 0800 559 3501 or speak to one of our sales consultants
	Representative Example: Based on Purchase price of £109,950 Amount of credit: £21,999, being 20% of the purchase price. Term: 10 years. Total amount payable: £25,298.85. Interest: £3299.85. Interest rate: Years 1-5, 0% pa (fixed), Years 6-10, 3% pa (fixed). Representative APR: 1.4% *POWERMOVE from Rowland is an easy way to get you moving and is only available on selected developments and selected plots under £200,000 and cannot be used in conjunction with any other deal. You could own 100% of the property but only pay an initial 80%. All plots require a 5% deposit and you pay just 80% of the purchase price. The remaining 20% of the purchase price is paid by Rowland, interest free for 5 years. The offer is subject to status and Rowland's terms and conditions, including exchange of contracts within 28 days and legal completion by a specified date. Rowland cannot offer any financial advice. The mortgage is arranged by RSC Financial Management LLP via an approved lender. Subject to Terms and Conditions and acceptance by an approved lender for mortgage finance. Please contact RSC Financial Management LLP for further details. RSC Financial Management LLP is an Appointed Representative of Personal Touch Financial Services Limited which is authorised and regulated by the Financial Services Authority. Consumer Credit Licence Number 633531. Registered office 45/49 Greek Street, Stockport, Cheshire SK3 8AX. Company Number 350527. Written details are available on request. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
	For further details on FirstBuy and HomeBuy schemes please visit: www.firstbuy-scheme.co.uk & www.homebuy.co.uk