Denby Bank, Ripley, 3 Bedroom Detached

Available now A three-bedroom detached house for sale with the help of shared ownership. Description 50% Shared Ownership of a three-bed, detached house for £140,000. Monthly rent on remaining share is £320.83. In addition, there will be a monthly service charge of £59.45. There is no ground rent to pay. Kitchen Fitted modern kitchen Integrated oven and hob Stainless steel extractor hood Contemporary mixer taps Vinyl flooring Bathroom White bath suite with chrome fittings Tiling to ceiling around the bath Shower over bath Glass shower screen Vinyl flooring Heating Gas fired central heating Thermostatic radiator valves Double glazed windows General Enclosed rear garden Off-street allocated parking EV charger Decoration White emulsion walls and ceilings White gloss painted woodwork Council tax banding - C Predicated energy rating - B The Predicted Energy Assessment (PEA) is an assessment of the energy efficiency of a building that is yet to be built. Once the building is complete, it will be replaced by the Energy Performance Certificate (EPC). Please note that the rating may change once the final EPC has been issued. This is due to recent changes in the way the PEAs/EPCs are calculated. What is shared ownership? Shared ownership is another way to buy your own home. You buy a percentage, and pay rent on the rest. The housing association owns part of it - but you're living there, you decorate it, and you decide when to sell. Buying a percentage means a smaller deposit and smaller mortgage. It's a sooner first step on the ladder for lots of people. Usually, you can also carry on buying shares, to own it 100%. The properties are sold on a 990 year shared ownership lease. Who qualifies? Anyone who does not currently own or part own a property and has a household income of less than £80,000 per year can apply. How to apply You will need to provide a completed application form, financial assessment, Mortgage in Principal and proof of funds for your application to be complete and accepted. Please email completed application forms to NCHA. A member of the Sales team will contact you directly once your application has been reviewed. Your affordability will be assessed based on the information you provide on the application form. NCHA will make an offer based on the amount you can afford, between 10- 75%. If your application is successful a non-refundable reservation fee of £350 is required to reserve your new home, this amount goes towards your deposit on completion. Local Information Ripley is a friendly market town in the Amber Valley district, offering a blend of rural charm and modern convenience. Set near the edge of the Peak District, it features attractive parks and easy access to countryside walking trails. The town supports a strong community spirit with regular markets, festivals, and local sports clubs, alongside a good range of family friendly amenities. It also offers several well-regarded schools, making it a practical choice for families. Ripley sits within easy driving distance of Derby and Nottingham, with regular bus links to nearby towns and onward rail connections, making travel to major cities straightforward.