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Cardiff Council

Assisted Home Ownership

You will need to make sure you can cover all the normal costs associated with buying a house. These include:
  • Valuation / survey fees
  • Solicitor and land registry costs
  • Search fees
  • Mortgage deposit (depending on the lender)
  • Stamp duty (depending on the area and value of the property)
  • Reservation fee (depending on the housing developer’s policy).
As well as these one off payments associated with buying the house, you will also need to make sure that you have suitable finances to cover on-going expenses such as:
  • Monthly mortgage payments;
  • Council Tax
  • Utility bills;
  • Property maintenance and repair costs;
  • Buildings and contents insurance;
  • Life insurance or mortgage life insurance;
  • Service charge and ground rent (for leasehold properties).