MAKE THE SMART MOVE TO YOUR DREAM HOME

WHY WAIT FOR YOUR DREAM HOME WHEN YOU CAN BUY NOW FOR JUST 75% OF THE PURCHASE PRICE!

That's right! Our Smart Move scheme means that you simply reserve your new WJ Law home and legally complete by the agreed date and:

• You pay only 75% of the purchase price now.
• You pay no interest or rent on the outstanding 25% for the first 2 years.
• The outstanding 25% is paid back as 25% of the property's open market value, at any time up to resale or within 10 years, whichever is sooner.
• Your home is 100% yours from day one!

But you'll need to hurry - this is a limited period offer, available only on selected WJ Law properties.

Click here to download our Smart Move PDF Booklet

For more details contact us, the relevant estate agent (listed below) or your local Mortgage Shop.

ESTATE AGENTS TO CONTACT

Avonmore Court
The Cotton,
North Down

www.avonmorecourt.co.uk

Pinkerton Murray
64 High Street, Bangor
T. 028 9147 9393
www.pinkertonmurray.com

Templeton Robinson
105 Groomsport Road, Ballyholme
T. 028 9145 1166
www.templetonrobinson.co.uk

Ballantine Garden
Village, Lisburn

www.ballantinegardenvilage.com

Fred Dalzell & Partners
15 Market Place, Lisburn
T. 028 9266 6638
www.freddalzellandpartners.com

Templeton Robinson
563 Lisburn Road, Belfast
T. 028 9066 3030
www.templetonrobinson.co.uk

Bishopshill
Dromore

www.bishopshill.co.uk

Fred Dalzell & Partners
15 Market Place, Lisburn
T. 028 9266 6638
www.freddalzellandpartners.com

Sawyers & Co
18 Bridge St, Banbridge
T. 028 4062 2939
www.sawyersproperty.com

Summerhill
Banbridge

www.summerhillbanbridge.co.uk

Fred Dalzell & Partners
15 Market Place, Lisburn
T. 028 9266 6638
www.freddalzellandpartners.com

Sawyers & Co
18 Bridge St, Banbridge
T. 028 4062 2939
www.sawyersproperty.com

• How does the Smart Move Scheme work?

  The purchase price is paid as follows:

  • 25% is the deferred payment to WJ Law and is secured against the property.
  • The mortgage companies will receive a deposit (Minimum 3.75%).
  • The balance (Maximum 71.25%) is the mortgaage finance.

• When do I have to repay the 25% balance?

  The 25% is repayable when you sell or transfer your home, or within 10 years, whichever is sooner. The deferred amount is interest free for 2 years after purchase. For the following possible 8 years, interest is payable monthly at 4% APR of the deferred amount.

• Can I repay the 25% early without selling?

  Yes, you can either repay in part or in full at any time, subject to valuation.

• Are any other costs involved?

  Solicitor's fees and valuation fees will be payable by you on full or part repayment of the 25% balance.

• How is the market value of the property determined?

  The average of two independant RICS valuations will be taken at point of resale, transfer, early repayment or at the end of the 10 year period.

• What happens if I improve my property? Do I have to pass 25% of the increased value to WJ Law?

  No - the market value at the end of the period is less any improvements.

• What if the market value of my property decreases?

  The repayment is 25% of the market value at the point of resale, transfer, or end of the 10 year period, even if this is less than the original purchase price.

• Can I buy a property to rent out?

  Sorry - the WJ Law Smart Move Scheme is only avaliable for those buying a home as a place to live.

• What happens if I cannot repay the 25% after 10 years?

  In circumstances of genuine hardship, the position will be reviewed and the loan period may be extended up to a maximum of a further five years.

• How do I apply?

  You need to inform your WJ Law Sales Advisor who will refer you to The Mortgage Shop or Lois Keef of The Halifax. If you decide to proceed with a loan, you will be asked to use one of a number of independent solicitors recommended by WJ Law.

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