The UK government has announced this that a new ‘Help to Buy’ scheme aimed at getting First Time Buyers on the property ladder will be launching next month.
Homes England has revealed that applications for the Help to Buy: Equity Loan scheme – which sees the government lend up to 20% (40% in London) of the cost of your newly-built home – will open on Wednesday 16th December.
First Time Buyers will be able to apply for new build homes, and it will cover the period of 2021 – 2023.
Those ready to get their foot in the housing market will need to provide a deposit of at least 5%, and the mortgage offer must be to the value of 25% or higher in order to make up the remaining amount.
No interest will be charged on the 20% loan for the first five years of owning the home.
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There are also a number of eligibility requirements for the house, which states that it must be newly-built and can cost up to £600,000, and it’s also required that applicants can provide proof of the ability to afford the monthly fee and interest payments.
They must also not own any other properties, and are not permitted to sublet or rent out the property after purchasing it.
Homes can be reserved using the scheme from mid-December, allowing purchasers to collect the keys to move in to their new property from 1st April 2021.
The Help to Buy: Equity Loan scheme is due to end on 31st March 2023.
Speaking about the new scheme, Robert Jenrick – Secretary of State for Housing, Communities and Local Government – said: “The government is providing more ways to help families onto the housing ladder, and provide that life-changing moment when you get the keys to your own home.
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“Alongside First Homes, Shared Ownership and our £12bn investment in affordable housing, our new Help to Buy scheme will help thousands more families take their first step into a home of their own.”
Homebuyers can apply for a Help to Buy: Equity Loan (2021-2023) from 16 December 2020, with a homebuilder registered for the scheme. pic.twitter.com/IcTPzE78VX
Will German – Director of Help to Buy at Homes England – added: “Help to Buy has already helped more than 270,000 people into homeownership and 82% are first-time buyers. We’re pleased we can help homebuyers with smaller deposits to own a home, at a time when there are fewer options open to them.
“Housing, like most sectors, has experienced a slowdown during the COVID crisis, but Help to Buy continues to give homebuilders the confidence to keep on building at a more crucial time than ever.”
Those planning on utilising the Help to Buy: Equity Loan scheme are encouraged to note that Homes England will then have an entitlement to any proceeds in the future sale of the home, and will seek to take the same percentage of the profits as what it originally put in.
You can find more information about the Help to Buy: Equity Loan scheme via the gov.uk website here.
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Classic FM will be back playing calming music for anxious pets this Bonfire Night
Emily Sergeant
Classic FM will be back playing calming music for anxious pets during this year’s fireworks season.
Bonfire Night may be loved by us humans for the spectacular firework displays and all the festive-themed activities that come along with it… but sadly, the November holiday isn’t quite so fun for our four-legged friends.
Loud bangs, flashing lights, and unpleasant strong smell of spent explosives are just some of the reasons why fireworks are frightening to pets.
Not only that, but with multiple bangs occurring from numerous displays across this time of year, pets are rarely able to pinpoint when and where the booming explosions are coming from, therefore creating even more anxiety around this time of year.
Classic FM will play calming music for anxious pets during this year’s fireworks / Credit: DESIGNECOLOGIST (via Unsplash)
Which is why, for the ninth year running now, Classic FM is once again teaming up with the RSPCA for two Pet Classics programmes packed with ‘the most soothing and comforting classical music’.
The music has been handpicked to help calm and settle any anxious pets.
A survey by the RSPCA revealed that almost two-thirds (63%) of animal owners reported their pet was distressed during fireworks season, and that playing relaxing music was the most common way (36%) to help calm or prepare their animal.
Presenters Dan Walker, Aled Jones, and Dawn O’Porter will each host a night of the specially created programme to help keep the nation’s pets calm through the whizzes and bangs.
Dan will present the first programme on Bonfire Night itself (Thursday 5 November), and then as celebrations continue throughout the weekend, Aled will be on hand to bring some peace to Friday 6 November, and Dawn picks up the baton on Saturday 7 November.
All three Pet Classics programmes will be broadcast from 5pm to 10pm, and you can listen on Classic FM or Global Player available across the UK.
Featured Image – The Manc Group
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What is the UK’s national dish? New survey reveals Brits’ pick in landslide victory
Emily Sergeant
If you’ve ever thought to Google the question ‘what is Britain’s national dish?’, then you probably came away thinking it’s chicken tikka masala.
But is that actually the truth? A new survey has disproved the claim, massively.
There’s no denying that chicken tikka masala – an Indian curry that’s actually widely thought to have been created in Britain – is a popular dish that’s loved by many, but despite what many headlines have claimed over the years, a new YouGov survey has revealed it’s not what Brits consider to be the country’s ‘national dish’.
YouGov conducted two online surveys earlier this month, made up of 2,079 and 2,104 adults aged 18+ living in Great Britain.
And, in their own words, Brits chose fish and chips as the country’s national dish, making it the ‘resounding’ winner with 49% of the vote.
What is the UK’s national dish? A new survey has revealed Brits’ pick in a landslide victory / Credit: The Manc Group
With nearly half of the overall vote, this puts fish and chips far ahead of the roast dinner in second place, which only 24% of people picked – including the 6% who made sure to specify a beef roast.
In fact, only 3% of Brits actually name chicken tikka masala as the UK’s national dish, although 52% in the survey did confess that they eat some form of curry at least once a month, so it is still a popular pick regardless.
Fish and chips is by far the most common answer across all generations too, according to the survey (45-50%), with the biggest difference between age groups being that 18-24 year olds are less likely to have nominated roast dinner and more likely to have chosen chicken tikka masala instead.
What do Brits say is the UK’s national dish?
Fish and chips – 49%
Roast dinner – 24%
Chicken tikka masala – 3%
Curry (non-specific) – 2%
Full English breakfast – 2%
Bangers and mash – 1%
Cottage or shepherd’s pie – 1%
Other – 3%
Don’t know – 15%
The survey also showed that, of the three top contenders for the UK’s national dish, roast dinners are the most frequently eaten, as 52% of people said they eat them on a monthly basis – including 16% who do so every week.
Aside from the frequently mentioned dishes, some survey respondents also gave shoutouts to the full English breakfast (2%), bangers and mash (1%), and cottage or shepherd’s pie (1%).
Emily Sergeant -
19th November 2020 
