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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Manchester firefighter surprises partner with proposal during new recruits parade
Danny Jones
We’re a sucker for a wholesome little video as we know you are, which is exactly why we thought of you lot when we came across this video of a newly graduated Manchester firefighter surprising his partner with a heartwarming proposal.
Just the kind of heartwarming that usually sets us off after a long week at work.
The clip shared by Greater Manchester Fire and Rescue Service (GMFRS) on Thursday, 25 April, shows Manc fireman James popping the question to his girlfriend sat unassumingly in the audience at a recent passing out ceremony.
Pass out ceremonies are when trainees go from recruits to fully qualified firefighters after completing their intensive operational training. It’s a long-standing tradition in the emergency services where friends and family gather to celebrate their achievements – it’s almost like it’s the perfect opportunity…
Watch as a Manc firefighter turns his passing out ceremony into a surprise proposal.
As you can see, since the graduates are usually the centre of attention, James couldn’t help but size his moment and instead of walking and lining up normally like everyone else, he decided to head straight over to his wife-to-be and get down on one knee.
You already know the rest.
Welling up immediately and barely able to remove her hands from her face, Melissa nods and says yes as the crowd cheers and the pair share a smooch.
Writing on social media, the GMFRS said: “We managed to capture a VERY special moment at our new recruits pass out parade today… Congratulations to James and Melissa!”, adding, “Certainly one way to start your new career”.
If we don’t see all the groomsmen dressed as firefighters on a random viral video sometime soon we’re going to be gutted.
All the best to the happy couple and if you’ve got any more lovely clips like this to send in so we can make ourselves cry (in a good way), you know what to do.
Featured Images — Greater Manchester Fire and Rescue Service
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The Chestergate pub in Stockport is at it again with some of the most wonderfully Manc scenes you’ll ever see
Danny Jones
The legendary Chestergate pub in Stockport is back with another belter of a video, following on from their viral belly-flashing clip of 2022.
The Mersey Square boozer has painted yet another quintessentially Northern depiction of UK pub culture with the latest Manc scenes they’ve captured around the karaoke machine.
If you’ve never had the pleasure of stumbling into The Chestergate in Stockport town centre, the long-standing boozer currently operated by publican chain Blind Tiger Inns, you’re seriously missing out.
While it might not be the flashiest of pubs, when it comes to entertainment, it always delivers.
Whether it’s stunts like renaming themselves ‘The Southgate’ whenever the Euros or World Cup rolls around, or the locals just genuinely having a whale of a time no matter what day of the week it is, it really sums up the best of pub culture.
The Chestergate went viral for some of the most British footage ever caught on film back in 2022 and the videos saw a huge wave of love and support flooding in for the pub, as well as a healthy amount of chuckles. Safe to say we were chuffed to see them pop back up on our feed again recently.
Karaoke night at The Chestergate literally never disappoints.
Forget ‘Livin’ on a Prayer’ or ‘Champagne Supernova’ for karaoke songs – we’ll take a cacophony of inaudible throwback pop music, whilst another bloke and his hype man try and MC over a totally ill-fitting beat any day of the week.
And that’s handy because you’ll find those kinds of shenanigans happening at this place all the time.
It’s simultaneously one of the most no-nonsense and somehow a non-stop shenanigan-filled paradise. They also look after their own and consider their regulars part of the family. Case and point: they threw their very own ‘Dancing Queen’ Molly a big bash for her 86th birthday and it’s such wholesome viewing.
At this point, it’s worth flagging that we have nothing but envy for these folks and anyone who’s just out there having the time of their lives on any random weeknight.
Yes, it produced plenty of laughs for those watching online in recent times but this lot won’t mind one bit – not only is the pub seeing more and more new faces through the door but that’s the whole point of a pub, isn’t it? Going for a pint with your nearest and dearest and having a laugh.
Not only is it very Manchester but it’s Britain at its very best.
We hope to see you at The Chestergate pub in Stockport for a pint or two sometime soon and we’re making a bit of a prat of ourselves, don’t worry, we’re sure they’ll have the cameras ready for you.
Emily Sergeant -
19th November 2020 
