Thanks for the insight ASH83. I have heard of all different outcomes from people who have bought through Affordable and most have had good things to say, so im very open minded and happy that Ive been offered Broadfield Hall. This complex is one of the lucky ones that has more owners occupiers than any 59 out of 70 (odd ish) i think and no social units whatsoever.
I totally understand that others have had probs with property path also, but in fairness to them I dont blame them either, its the big guys in SDCC that gives the info - and only what they want to be given to Property Path. I dont blame them at all, in my eyes the girls on the ground level are doing a great job for the lowest paid wage in the council.
I do however agree that a lot of thought has to be put in before making a decision. I have researched planning lists, the area as a whole etc before making any decision.
As for council not wanting to give mortgages, there is an option for the council to give the mortgage for others that may not be able to get a mortgage otherwise. They are not as good as the mortgages being offered by the Banks and Building Societies. Having another option of financing your purchase other than having to take a council mortgage (like it used to be) is very beneficial and I for one am glad I could have the option and not be road railed into a council mortgage.
I would however be wary of the clawback and urge people to have an independant valuer value the property if they are unhappy with it from the get go.
Ruth