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Terms and conditions

Disclaimer

Story Homes is a trading name of Story Homes Limited.   This website is operated by or on behalf of Story Homes Limited. The material contained in this website is provided for information only and neither the provision of such material nor its access by any person shall be deemed to give rise to any commitment or obligation on the part of Story Homes Limited.  Story Homes Limited reserves the right to alter the content of the pages on the website, refer the reader to other sites on the web or remove pages from its website at any time without notice. Story Homes Limited makes no representations or warranties of any kind about the availability of the website, the information contained on the website or any information found at any other site on the web accessed by means of this website. The reader must be satisfied that they may lawfully access this website, read the pages or act upon the material contained in the pages. Story Homes Limited accepts no responsibility for unauthorised access or unauthorised actions of the reader.

Governing Law

It is intended that the information on this website is used only by persons resident in the United Kingdom and that the same shall be read and construed in accordance with the laws of England and Wales. In the event of any dispute arising, the courts of England and Wales shall have exclusive jurisdiction to determine such dispute.

Copyright and Trade Marks

No part of this website may be reproduced in any material form (including storing it in any medium by electronic means) without the written permission of the copyright owner, except that material may be downloaded, printed or copied for personal use. No alterations or additions may be made to the material on this website. For permission to link to this website from your own, please contact marketing@storyhomes.co.uk.
© Story Homes Limited 2013. All rights reserved.
Story Homes are registered trademarks of Story Homes Limited in the European Community.

Links

Story Homes Limited accepts no liability for the contents of any website operated by a third party which may be accessed via links from this website. Any such links are provided for your convenience only and do not imply that Story Homes approves or recommends the contents of such sites. It is not permitted to create a link to this website without the written permission of Story Homes.

Viruses

Story Homes Limited accepts no liability for any damage to or viruses that may infect your computer equipment or other access device, software or other property as a result of your browsing or use of this website or your downloading of any material from this website.

Accuracy of information

Story Homes Limited accepts no liability for the accuracy or completeness of the information contained in this website or for any claims or losses of any nature arising directly or indirectly from use of, or reliance on, such information. Any person using this website for any reason whatsoever, or placing any reliance on any of the information contained in this website or any other information accessed through any link or accessed by means of this website does so entirely at their own risk.
Nothing in these terms shall exclude or limit our liability for death or personal injury, fraud or any other liability which may not by applicable law be excluded or limited. Nothing in these terms affects your statutory rights as a consumer.

Artists’ impressions and photographs

Artists’ impressions are drawn from an imaginary viewpoint within an open space and are intended to give an impression of the house design. Photographs are from Story Homes developments across the UK and are intended to show typical street scenes. Neither the artists’ impressions nor the photographs are intended to give an accurate description of any specific property offered for sale, its setting or its surroundings.

Development layouts

These do not show final details of gradients of land, boundary treatments, local authority street lighting or landscaping. We aim to build according to the layout, but occasionally we do have to change house designs, boundaries, landscaping and the positions of roads, footpaths, street lighting and other features as the development proceeds.

Floor plans

Please note CGIs are for illustrative purposes only; external finishes such as roof tile colours, brick, stone, render and landscaping vary between plots. Properties may also be built ‘handed’ (mirror image) of those illustrated.  Dimensions are for guidance only and all measurements and areas may vary during construction. Dimensions and furniture indicated are not intended to be used for carpet sizes, appliance space or items of furniture. Bathroom, kitchen and furniture layouts are indicative only and do not form any part of your contract or warranty. Please speak to a member of the sales team for plot specific information.

Price information

Please note that all the prices shown on our website are guide prices, which were correct at the time of being published but are subject to change without notice. Please contact the relevant Marketing Suite at the development for accurate price information.

Show homes and e-tours

Please bear in mind that the furniture, soft furnishings and wall-coverings in our show homes are not part of our standard specification. Optional extras have been fitted to the show homes, some of which may be available for your own Story Homes new home. For further information, please contact the relevant Marketing Suite at the development you are interested in.

Our Specification

The specification may be subject to change as necessary and without notice. Any photographs or computer generated images are indicative of the quality and style of the specification and may not represent the actual fittings and furnishings at the development. Story Homes has made every effort to ensure accuracy of information, we reserve the right to amend and update the specification or layout without prior notification. Specification is not intended to form part of any contract or warranty unless specifically incorporated in writing into the contract. Please refer to the Consumer Code for Homebuilder for further information. Pricing is non-negotiable and subject to change up until you have placed your order and paid for your optional extras. Pricing applies to selected items if you are choosing them for the first time, or upgrading from a lesser specification already included in your new home.

Buyer Assistance schemes

At Story Homes we want your experience of buying your new home to be as easy as possible. That is why we offer various buyer incentive schemes. As these are development and plot specific, please contact the relevant Marketing Suite for details of what type of buyer assistance scheme is available at the development you are interested in.

Personal information

We will not pass your personal information to anyone outside our group, except to third parties (e.g. professional advisers, finance providers, estate agents, recommended suppliers etc) for the purpose of providing products, services and/or marketing information to you, and/or for our research purposes or to help us develop our website, products and/or services. We may use your personal data for such purposes. We may also copy this form to relevant third parties.
Only authorised personnel and contractors have access to your personal information. We will aim to keep your personal information secure by taking appropriate technical and organisational measures against its unauthorised or unlawful processing and against its accidental loss, destruction or damage.
We will keep your personal information until such time you contact us to request that it be removed or it is no longer required for archive purposes. We will aim to keep your personal information up to date, but rely on you telling us promptly if your name, address, telephone number or any other details change.

Data Protection

Under the Data Protection Act you have the right to request details of any personal data we may process about you (for which we may make a reasonable charge). Requests should be in writing, enclosing proof of identification (e.g. a copy of your passport or driving licence) or other documentation confirming your name and address (e.g. utility bill) and be addressed to:
Administration Department
Story Homes Limited
Story House
Lords Way
Carlisle
CA6 4SL
Email: sales@storyhomes.co.uk
Only authorised personnel and contractors have access to your personal information. We will aim to keep your personal information secure by taking appropriate technical and organisational measures against its unauthorised or unlawful processing and against its accidental loss, destruction or damage. We will keep your personal information until such time you contact us to request that it be removed or it is no longer required for archive purposes. We will aim to keep your personal information up to date, but rely on you telling us promptly if your name, address, telephone number or any other details change.

6 Months Mortgage Paid

6 Months Mortgage Paid is available on selected plots and only at those developments where it is  specifically advertised as being available.  The 6 Months Mortgage Paid payment will be made by way of a deduction from funds due on legal completion of  the purchase and will not exceed 5% of the purchase price. Proof of the mortgage payment amount due to be paid within the first 6 months of the loan is required. Should your payments total less than 5% of the purchase price no alternative will be offered.  Story Homes reserves the right to set a limit for the mortgage payment contribution which may be less than 5% and this contribution sum cannot be exchanged for a cash payment. This incentive is subject to your mortgage lenders approval. Story Homes  cannot offer mortgage advice., If you need assistance finding an independent mortgage adviser please speak to a Sales Executive as they have the details of a panel of independent new build mortgage advisers who will be able to provide you with the necessary independent mortgage advice. Incentives are subject to availability and cannot be used in conjunction with any other offer or scheme. Story Homes reserves the right to withdraw or alter these offers at any time. Prices and details are correct at time of being released for advertisement. For further information please speak to a Sales Executive.

12 Months Mortgage Paid

12 Months Mortgage Paid is available on selected plots and only at those developments where it is specifically advertised as being available. . The “12 Months Mortgage Paid” payment will be made by way of a deduction from funds due on legal completion of the purchase and will not exceed 5% of the purchase price. Proof of the mortgage payment amount due to be paid within the first 12 months of the loan is required. Should your payments total less than 5% of the purchase price no alternative will be offered. Story Homes reserves the right to set a limit for the mortgage payment contribution which may be less than 5% and this contribution sum cannot be exchanged for a cash payment. This incentive is subject to your mortgage lenders approval. Story Homes  cannot offer mortgage advice.  If you need assistance finding an independent mortgage adviser please speak to a Sales Executive as they have the details of a panel of independent new build mortgage advisers who will be able to provide you with the necessary independent mortgage advice . Incentives are subject to availability and cannot be used in conjunction with any other offer or scheme. Story Homes reserves the right to withdraw or alter these offers at any time. Prices and details are correct at time of being released for advertisement. For further information please speak to a Sales Executive.

Deposit Contribution

Deposit  Contribution  is available on selected plots and only at the developments where it is specifically advertised as being available.  Story Homes will contribute towards the overall deposit sum required for the purchase price of the selected plot, as agreed at point of reservation. The maximum contribution amount will be stated within the advertisement but will not exceed 5% of the selected plot purchase price.  To be eligible for Deposit Contribution  you must be able to prove at the point of reservation that  you are in possession of sufficient funds to meet your contribution towards the agreed deposit amount and that you have been financially qualified by an Independent Financial Advisor. You must pay the standard reservation charge on the selected plot on reservation. The Deposit  Contribution will be deducted from the total sale price of the selected plot on legal completion and cannot be exchanged for a cash payment.. Incentives are subject to availability and cannot be used in conjunction with any other offer or scheme. Story Homes reserves the right to withdraw or alter these offers at any time. Prices and details are correct at time of being released for advertisement. For further information please speak to a Sales Executive.

Contribution towards specification upgrades and optional extras

Contributions towards specification upgrades and optional extras are available on selected plots and only at those development where the incentive is specifically advertised as being available.  The contribution amount will be stated within the advertisement but will not exceed 5% of the purchase price and cannot be exchanged for a cash payment. Story Homes reserves the rights to request a 50% payment for the total value of the agreed upgrades/optional extras if contracts have not been exchanged and choices need to be submitted. This amount will be reflected in the completion statement issued to solicitors and deducted from the monies due from you at legal completion. Incentives are subject to availability and cannot be used in conjunction with any other offer or scheme. Story Homes reserves the right to withdraw or alter these offers at any time. Prices and details are correct at time of being released for advertisement. For further information please speak to a Sales Executive.

Contribution towards Stamp Duty

Story Homes will pay a contribution towards Stamp Duty Land Tax on selected plots and only at those s developments where the incentive is specifically advertised as being available. The contribution amount will be stated within the advertisement and cannot be exchanged for a cash payment. The contribution amount is calculated at the point of reservation based on rates and thresholds applicable at that time .Subsequent changes will not  be agreed to the amount or alternative incentives offered to reflect any subsequent variations made to Stamp Duty Land Tax thresholds or rates that may result in either an increase or decrease in the overall tax sum payable by you following legal completion. The contribution amount will be reflected in the completion statement issued to solicitors and then be deducted from the monies due from you at legal completion Incentives are subject to availability and cannot be used in conjunction with any other offer or scheme. Story Homes reserves the right to withdraw or alter these offers at any time. Prices and details are correct at time of being released for advertisement. For further information please speak to a Sales Executive.

Stamp Duty paid

Story Homes will pay Stamp Duty Land Tax on selected plots and  only at those developments where the incentive is specifically advertised as being available. The maximum contribution amount will be stated within the advertisement and cannot be exchanged for cash.. The contribution amount is calculated at the point of reservation based on rates and thresholds applicable at that time. Subsequent changes will not be agreed to the amount or alternative incentives offered to reflect any subsequent variations made to Stamp Duty Land Tax thresholds or rates that may result in either an increase or decrease in the overall tax sum payable by you following legal completion. The contribution amount will be reflected in the completion statement issued to solicitors and then be deducted from the monies due from you at legal completion Incentives are subject to availability and cannot be used in conjunction with any other offer or scheme. Story Homes reserves the right to withdraw or alter these offers at any time. Prices and details are correct at time of being released for advertisement. For further information please speak to a Sales Executive.

Cash Discount

Money off a plot is available on selected plots and only at those developments  where the incentive is specifically advertised as being available. The maximum amount will be stated within the advertisement, is subject to valuation of the plot and cannot be exchanged for cash. The amount will be reflected in the completion statement issued to solicitors and then be deducted from the monies due from you at legal completion. Incentives are subject to availability and cannot be used in conjunction with any other offer or scheme. Story Homes reserves the right to withdraw or alter these offers at any time. Prices and details are correct at time of being released for advertisement. For further information please speak to a Sales Executive.

Moving package

Story Homes moving packing may include one or more of the following incentives: contribution towards legal fees, choice of curtains, blinds, light fittings, and carpets from our selected suppliers. Maximum contribution amount for each of the items listed will be stated within the advertisement and cannot be exchanged for cash. The incentive is available on selected plots and  only on those specific developments  where the incentive is advertised as being available . The contribution amounts will be reflected in the completion statement and any extras order issued to solicitors to then be deducted from the monies due from you at legal completion.  Incentives are subject to availability and cannot be used in conjunction with any other offer or scheme. Story Homes reserves the right to withdraw or alter these offers at any time. Prices and details are correct at time of being released for advertisement. For further information please speak to a Sales Executive.

Shared Ownership Scheme

Figures advertised will display the rental percentage it is based on. All properties are leasehold and will be subject to a rent sum and a building Insurance premium payment due to the housing association as freeholder. The amounts will be confirmed at point of reservation. Estate management charges payable  to housing association and by the Housing association to Story Homes will apply and the amounts will be confirmed. You must satisfy certain criteria to qualify for Shared Ownership. Eligibility criteria, terms and conditions apply, please visit the local council’s website for further information. Shared Ownership schemes  are only available on selected plots and cannot be used in conjunction with any other offer or scheme. Prices and details are correct at time of being released for advertisement. For further information please speak to a Sales Executive.

Low-cost/affordable housing scheme

Properties that fall into the local council’s low-cost/affordable housing schemes will be marketed on the Story Homes website as ‘affordable’ and will display the discounted market value. The discount will vary between developments and will be stated within the advertisement. Acceptance for the low-cost housing/affordable scheme will be subject to meeting criteria set out by the  local council in whose area the development is situated. For details of the eligibility criteria, terms and conditions apply, please visit the local council’s website for further information. Low-cost housing/affordable schemes  are only available on selected plots and cannot be used in conjunction with any other offer or scheme. Prices and details are correct at time of being released for advertisement. For further information please speak to a Sales Executive.
All incentives and schemes are subject to a 28-day exchange of contracts  after which period unless expressly agreed in writing to the contrary Story Homes  reserves the right to remove or amend any incentive or scheme.

Part Exchange

Part Exchange is available on selected plots and developments only. £500 administration fee will be retained if reservation is cancelled or expires. The value of your property should be no more than 70% of the value of your new Story home. Part Exchange is only available up to a maximum value of £250,000^ for your current property. (^Higher values may be considered depending on the purchase price of a specific plot, please ask our Sales Executive) The property must be under 100 years old and in a good general state of repair. You must provide a Gas Safety Inspection Certificate & NICEIC Electrical Report dated within 6 months as at legal completion. All necessary consents for alterations and/or extensions must be provided to your conveyancer, even if the work was carried out by a previous owner. All carpets, curtains, blinds and light fittings are to remain. Any offer made by us under the Part Exchange scheme is subject to any necessary surveys and reports and is based on a realistic selling price within a six-week period. You must allow reasonable access for viewings of your property. Cannot be used in conjunction with the Help to Buy scheme or any other Story Homes promotion. We may not consider the following: Commercial property or property located in close proximity to commercial properties; property with a history of structural defects requiring a specialist structural report; or which has been rebuilt or underpinned or in an area known to have a history of structural problems; leasehold property where the lease has less than 90 years to run (if there is less than 80 years left on the lease and the owner is able to buy the freehold then the property may be considered); any property that has a limited saleability, this would include flats and one-bedroom properties; property which has a defective legal title or flying freehold; property on unmade/unadopted roads; property that requires excessive repairs or improvement; any property which our valuers advise are unsuitable for Part Exchange; ex council, ex corporation and local authority housing; property which has no NHBC or architects’ certificate where the property is less than 10 years old; property that is subject to an occupancy clause. Part Exchange is subject to Story Homes’ General Terms and Conditions available on our website.

Home Move

Home Move is available on selected developments/plots and is subject to terms and conditions. You must enter into an Agreement with Story Homes concerning the sale of your existing property, which will include a time period for the Agreement. A sample of our Agreement can be obtained from your local sales office. You agree to Story Homes appointing nominated estate agents who will market and sell your existing property. You agree you will have no control over which estate agents we instruct, or the terms of that appointment. We agree to pay the estate agent’s commission plus VAT for marketing and selling your existing property provided you legally complete on the purchase of a new Story home up to the value of £2,500 plus VAT. You agree not to instruct another estate agent to sell your existing property until our Agreement has ended, that no party is currently negotiating to purchase your existing property and that no introduction has already been made by another party. In the event that any existing contract with your estate agent cannot be cancelled without penalty, or if there is a penalty for dual agency, Story Homes will not be liable for any extra fees as we cannot be responsible for obligations contained in third party contracts. Please note that you will be liable for dis-instructing your existing estate agent and for any abortive costs or dual agency fees according to your contract. You agree to allow reasonable access to your property for viewings and survey purposes and to co-operate fully with our estate agents in their endeavors to market and sell your property. If no acceptable offer is received within the time period set out in the Agreement (usually 4-6 weeks from the start of marketing), we reserve the right to review the sale price of the property and the Agreement. You are liable for 2% of the sale price if we secure you a buyer and you do not reserve a Story Homes property. Open or floating Home Move available on any plot on the open market that is released for sale. The Home Move plot will not be held, if the plot sells then the open Home Move can be moved to another available plot.

Help to Buy: Equity Loan scheme

Help to Buy: Equity Loan is subject to eligibility, terms and conditions. It is available on properties up to a maximum value of £600,000 in England. If you qualify for Help to Buy assistance and you raise a mortgage of at least 75% of the purchase price of your new home from a lender, you can borrow up to 20% of the purchase price by taking out an equity loan secured over your new home from the Government’s Homes & Community Agency (HCA) over a period of 25 years. This equity loan is interest free for the first five years. There is a monthly £1 admin fee. A 5% deposit is required by the lender. More may be required depending upon circumstances and your lender’s criteria.

Help to Buy: Equity Loan scheme 2021-23

Help to Buy: Equity Loan (2021-2023): Eligible homebuyers can borrow 5% to 20% (40% in London) of the market value of a newly built home. Regional property price limits will apply. The equity loan is interest free for 5 years; monthly interest payments start at 1.75% and rise each year in April by the Consumer Price Index (CPI) plus 2%. Pay a £1 monthly management fee from the start. Repay your equity loan at the end of your mortgage or equity loan term, when you sell your home or any time before. The lender, Homes England, secures the equity loan as a second charge on your home. Help to Buy is subject to eligibility, terms and conditions: www.helptobuy.gov.uk. Your home may be repossessed if you do not keep up repayments on your repayment mortgage, equity loan or other loans secured against it.

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