Step ONE / Cam UN

What is Step One?
Step One is the Assisted Home Ownership initiative introduced by North Wales Housing Association (NWHA) and based on the Welsh Assembly Government’s HomeBuy Scheme.

It aims to help those people in our communities who are unable to buy their own home without additional assistance.

With Step One the homebuyer provides 70 per cent of the cost of the property, generally through a mortgage, while NWHA funds the remaining 30 per cent through an ‘equity loan’.

The first houses available through this scheme are at Tyddyn Mostyn in Menai Bridge where the Association is providing a small development of twelve houses and two flats. Six houses will be available for purchase with the remainder being for rent.

The open market valuation has been assessed at £140,000 which means that potential buyers will need to be able to raise £98,000 (70% of value) through mortgage and capital/ savings.

The properties will be allocated on a priority needs basis in that the homes at Tyddyn Mostyn are 3 bedroom 5 person and will be allocated to families with children.

If you are interested in purchasing a property through Step One on the Tyddyn Mostyn development, apply now! Application forms are available from Isle of Anglesey County Council, telephone: 01248 752294 or North Wales Housing Association, telephone: 01492 572727.

Please return your application form as soon as possible as it is anticipated that we will commence allocations during October/ November with a view to instructing solicitors during November/ December. We anticipate handover of the houses in December 2007/ January 2008.

Also you will need to make general mortgage enquiries to find out whether a mortgage can be provided for you and how much you would be able to borrow. It is important you are sure you’ll be comfortable making the mortgage payments on top of your normal household bills. Do not enter into any financial or legal commitments at this stage.

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Beth yw Cam Un?
Cam Un yw’r cynllyn Cymorth Prynu Cartref a gyflwynwyd gan Gymdeithas Tai Gogledd Cymru (CTGC). Mae’n deiliedig ar Gynllun Cymorth Prynu Llywodraeth Cynulliad Cymru.

Ei nod yw helpu’r bobl hynny yn ein cymunedau sy’n methu prynu eu cartref eu nunain heb gymorth ychwanegol.

Gyda menter Cam Un mae’r prynwr yn talu 70 y cant o gost yr eiddo, drwy forgais fel arfer, ac mae CTGC yn arriannu’r 30 y cant sy’n weddill trwy ‘fenthyciad ecwiti’.

Yn Nhyddyn Mostyn, Porthaethwy y mae’r tai cyntaf sydd ar gael dan y cynllun yma, lle mae’r Gymdeithas yn darparu datblygiad bach o ddeuddeg ty a dau fflat. Bydd chwech o dai ar gael i’w prynu a bydd y gweddill yn cael eu rhentu.

Aseswyd mai £140,000 yw eu gwerth ar y farchnad agored, sy’n golygu y bydd angen i ddarpar brynwyr allu codi £98,000 (70% o’r gwerth) drwy forgais a chyfalaf/cynilion.

Bydd y tai yn cael eu rhoi ar sail anghenion blaenoriaeth gan mai cartrefi 3 ystafell wely ar gyfer 5 person ydynt, a byddant yn cael eu rhoi i deuluoedd gyda phlant.

Os oes gennych ddiddordeb mewn prynu eiddo drwy Gam Un ar ddatblydiad Tyddyn Mostyn, ymgeisiwch rwan! Ffurflen gais ar gael gan Cyngor Sir Ynys Mon, ffon: 01248 752294 or Cymdeithas Tai Gogledd Cymru, ffon: 01492 572727.

Dychwelwch eich ffurflen gais cyn gynted â phosib oherwydd rydym yn rhagweld y byddwn yn dechrau eu neilltuo ym mis Hydref/ mis Tachwedd er mwyn rhoi cyfarwyddiadau i’r cyfreithwyr ym mis Tachwedd/ mis Rhagfyr. Rydym yn rhagweld y caiff y tai eu trosglwyddo yn ystod Rhagfyr 2007/Ionawr 2008.

Hefyd, gwnewch ymholiadau cyffredinol i weld a oes odd i chi gael morgais a faint y gallwch ei fethyg. Mae’n bwysig eich bod yn hapus gyda’r ad-daliadau y bydd rhaid i chi eu gwneud ochr yn ochr â’ch biliau ty arferol. Peidiwch â gwneud ynrhyw ymrwymiad ariannol na chyfreithiol ar hyn o bryd.