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Mortgages for People with Long term Disabilities

Suffolk HOLD

We've been innovative in launching a Suffolk HOLD (Home Ownership for people with Long term Disabilities) scheme, a unique mortgage in partnership with Suffolk County Council, Saffron Housing Association and Orwell Housing Association for those otherwise unable to secure a home loan. We continued our partnership with Orwell Housing Association to launch what we believe to be the first ever self build, shared ownership project in England.

NHA Suffolk HOLD

In September 2014 Ipswich Building Society (in partnership with Saffron Housing Trust, Suffolk County Council & PDS) won an award for 'Best Partnership' at the National Housing Awards 2014 for the Suffolk HOLD scheme.

 

Suffolk HOLD (Home Ownership for Long term Disabilities)
Case study: Alex King, 27, and Angela King, Alex's mother.


Why was it important for you to own your home?

Alex King: "I needed to have more control over my everyday life and living in my own home gives me that."

Angela King: "For Alex to have his independence is really important to us. Also the security of owning his bungalow, rather than renting is really reassuring."


How did you feel when you got the keys and first walked through the door?

Alex King: "At first it was hard. Sometimes change is difficult but now I'm settled I'm really happy in my new home."

Angela King: "Alex grew up in Lowestoft; it's his home town, so it's really good for him to return and make it a home once again."


What is the best part of having your own pad?

Alex King: "The freedom- I can do what I want, when I want. It's the little things, I can decide what I'm going to cook for dinner or if I want to go down to the local pub for a meal instead. And I can have my family and friends over whenever I want."

Angela King: "Living in his own home means Alex has his own space, and it's quiet. The back garden is shared with his immediate neighbours, and it's nice to have them near but equally it's great for Alex to have a place of his own for some quiet down time."


How is your life different from when you lived in a residential home?

Alex King: "I'm more independent, I get to go shopping and choose what I fancy eating that week. I get to cook my own food, my favourite thing to cook is Spaghetti Bolognese, and if I want to have it more than once a week- I can!"

Angela King: "With having his own place we find Alex's individual needs are being met better, everything is tailored to him, whereas when he was in the residential home he was fitted into a busy schedule due to the number of other people living there."


Would you say that this opportunity has turned your life around?

"I'm not stressed now; I have nothing to worry about. It took me a little time to settle but it's much better now. I'm gaining new skills every day, some I'm not too keen on but they need to be done- like the hovering and the dusting!"


Angela and Peter, Alex's parents said:

"Like any parents we recognised that our son needed his own space to do his own thing. It was time to fly the nest and have a place of his own. He now has this bungalow and it has made such an improvement on his quality of life. He's happier and has much less to worry about now. And its nice to know that he isn't too far away from home, so he can still pop over for a cuppa."


Photo Captions: Alex King outside his home with his parents, Peter and Angela King

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Photo Caption: Put the kettle on! -Alex King making a cup of tea for his parents

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Your home may be repossessed if you do not keep up repayments on your mortgage.