How To Apply
Step 1 – Check You Are Eligible
➡ Eligibility Criteria Requirements
Step 2 – Read the Scheme Terms and Guidance Notes
Step 3 – Complete the Application Form
➡Community Housing Scheme Application Form
Step 4 – Submit Your Application
Submit your completed application form and supporting documents by email wherever possible to CTC-CHS@ceredigion.gov.uk
If you are unable to email your application, you can post it to the address below. If you require any original documents to be returned, please advise us in a covering letter.
Planning Policy, Neuadd Cyngor Ceredigion, Penmorfa, Aberaeron, Ceredigion, SA46 0PA
Applications are considered in date order, subject to available funding.
Do not delay submitting your application if you are still waiting for some documents.
Please tick "Waiting for it" on the application form where appropriate and send the documents when they become available.
What Happens Next?
Once we have assessed your application and confirmed that you meet all of the eligibility requirements, we will send you an Eligibility Certificate.
How Long Is the Certificate Valid?
Your Qualification Certificate is valid for 18 weeks from the date it is issued.
Need a New Certificate?
If your certificate expires before you complete the purchase, you can apply for a replacement certificate.
To reissue a certificate, we normally require:
- Your most recent 3 months' payslips or income information
- Confirmation of your current mortgage offer or mortgage in principle
- Recent evidence of minimum 5% deposit
This allows us to confirm that you still meet the financial eligibility requirements before a new certificate is issued.
What happens after you receive your certificate?
Once we issue your Community Housing Scheme eligibility certificate, we will pass your details to the Council’s Legal Services team.
Legal Services will then work with your solicitor as part of the normal house purchase process. This means the legal work for the Council’s shared equity loan will run alongside your usual conveyancing, mortgage and property checks.
Before Legal Services can issue the legal pack and authority to proceed letter, they will normally need confirmation of:
- your first mortgage amount; and
- any cash contribution you are putting towards the purchase.
Your solicitor will then need to provide the required legal undertakings. Once these are received, Legal Services will issue the authority to exchange and, at the correct stage, arrange for the Council’s loan money to be released.
The Council's legal process is designed to fit in with your house purchase. The time it takes will depend mainly on your solicitor, your mortgage lender and the usual legal checks for buying a property.
Need Help?
If you would like to discuss your eligibility, receive help completing an application, or find out more about the scheme, please contact CTC-CHS@ceredigion.gov.uk
01545 570881
Important Information
The Council's equity loan is secured against the property and forms part of the legal agreement attached to the home.
The property must be occupied as your only or main residence.