Housing Matters January/February 2014

matters

HousingJanuary/February 2014 | www.gov.uk/housing-for-service-personnel-and-families Your transition to civilian housing starts here featured AFFORDABLE HOUSING SCHEMES IN SCOTLAND

Housing Options Scotland

Scottish Veterans Residences

One Day Housing Briefings 2014

The magazine of the Joint Service Housing Advice Office

matters CONTENTS HousingJanuary/February 2014 | www.gov.uk/housing-for-service-personnel-and-families

4 AFFORDABLE HOUSING matters Happy New Year to all our readers. SCHEMES IN SCOTLAND

lies The start of the year always feels like the January/February 2014 | www.gov.uk/housing-for-service-personnel-and-fami HousingING STARTS HERE YOUR TRANSITION TO CIVILIAN HOUS turning of a new page. This is particularly featured true for JSHAO this year as before the AFFORDABLE HOUSING SCHEMES IN break we said a sad farewell to some of SCOTLAND

Housing 6 HOUSING OPTIONS SCOTLAND Options our staff who are based at Upavon. Now Scotland

Scottish it is time to welcome the new people who Veterans Residences will move the office to Aldershot when we One Day Housing Brieﬁ ngs 2014 relocate in the spring. 12 HOUSING IN SCOTLAND Moving and relocation is always a turbulent time and along with the practical elements of planning a move OFFICE THE MAGAZINE OF THE JOINT SERVICE HOUSING ADVICE there are the emotional ties to contend 14 SCOTTISH VETERANS with as well. Service families are often used to frequent moves but that doesn’t make it any easier. Indeed, as time goes on, for some, it gets harder. Leaving RESIDENCES behind the people and places that you know well, trust and understand is a wrench. But looking forward with optimism to the opportunities to meet new people, develop new skills and learn new ideas to grow as individuals are positive thoughts to hold on to. regulars For some of these reasons Service families think about buying a ‘forever’ home to settle the family and enable children to attend one school while the Serving MOD news member of the family ‘lives in’ during the week and travels home at weekends. Regional Prices To assist with house purchase the UK Government has given the Armed Forces priority status for their Affordable Housing Schemes. This issue is focusing on Contacts house purchase in Scotland and the various Schemes are listed in detail. Sales Lists

The dates for the 2014 Civilian Housing Options Briefing programme have jshao staff been finalised. The details are on page 22. Although the JSHAO Housing Telephone Numbers: Briefings are held at Regional Resettlement Centres and are included as part 01980 61 + last 4 digits of extension of the resettlement Programme we encourage people to attend at any stage or Mil 94344 + Ext of their career if they are considering civilian housing. We also welcome attendance by spouses and partners as housing is often a joint decision. Ext Paula Jones OIC 8835

Paula Jones, Kay Bayliss Senior Housing Advice Officer 8925 OIC JSHAO Philip Arundel Housing Advice Officer 8004

Flight Sergeant Rachel Preston Office Manager 5520

Vacant Housing Advisor 1 5807

Vacant Housing Advisor 2 5808

Vacant MOD Referrals 8219 Published for The Joint Service Housing Advice Office by Method Publishing, Sutherland Press House, Golspie, Sutherland, Scotland KW10 6RA Telephone (01408) 633871 Fax: (01408) 633876 Vacant Asst Housing Advisor 8925 email: [email protected] to whom all enquiries regarding advertising should be addressed. Fax: 8068 Design and Typography: Method Publishing 2013 Editorial Matter: ©Crown Copyright 2013 Email: [email protected] No responsibility for the quality of goods or services advertised in this magazine can be accepted by the Website: www.gov.uk/housing-for-service- Publishers or Printers or by the Ministry of Defence. Advertisements are accepted on the express condition personnel-and-families that the advertiser warrants that they in no way contravene the provisions of the Trades Descriptions Act 1968 nor any other prevailing legislation in the United Kingdom. The Joint Service Housing Advice Office, The Publishers reserve the right to refuse acceptance of any advertisement, either before or after receipt of Building 183, Trenchard Lines, Upavon, copy, without stating a reason. Wiltshire, SN9 6BE

matters Housing www.gov.uk/housing-for-service-personnel-and-families | January/February 2014 3 AFFORDABLE HOUSING SCHEMES IN SCOTLAND

Last month I focused it. When you buy a shared equity When you sell your home (or partners of service personnel for on Affordable Housing home from a housing association earlier if you want to increase your up to two years after their partner Schemes in England and or on the open market you pay stake), the Government and the has been killed whilst serving in Wales. As promised here for the majority share in it and private house builder will each the armed forces. are the details for the the Scottish Government pays the receive the value at the time of Schemes that are available rest under an agreement which it sale of the percentage equity The minimum equity stake that in Scotland. enters into with you. You own the stake funded. If, for example, buyers must take in a property is home outright, but the Scottish the Government and the private 60 per cent and the maximum The Scottish Government offers Government holds a security over house builder each fund 15 equity stake is 90 per cent. several schemes to help you the proportion of it has funded. per cent of the purchase price, Lenders normally require buyers to become a homeowner where that When you later sell your home when the property is sold the provide a modest deposit. is affordable for you. The best (or earlier if you want to increase government and the house builder scheme for you will depend on your stake), the Government will will each receive 15 per cent of The New Supply Shared your own circumstances and you receive the value at the time of the sales value of the property. Equity Scheme helps first-time are encouraged to speak to your sale of the percentage equity buyers to buy a new build home lender or an independent financial stake funded. If, for example, the The Open Market Shared from a housing association. The advisor before you apply to one of Government funds 30 per cent Equity Scheme helps first-time New Supply Shared Equity with the schemes. Some schemes are of the purchase price, when the buyers to buy a home on the Developers Scheme (NSSE with open to all home-owners; others property is sold 30 per cent of open market where it is affordable Developers) aims to help people are only available to first-time the sale value of the property for them to do so. The scheme on low-to-moderate incomes buyers. will be returned to the Scottish is currently open to help all first to become homeowners in a Government. time buyers. Priority access will balanced and sustainable way Low Cost Initiative for First be provided to priority group where it is affordable for them Time Buyers (LIFT) When you buy a LIFT shared applicants which include social over the long term. NSSE with Three different LIFT shared equity equity home from a private house renters (in other words, people Developers also helps support schemes help first-time buyers on builder, you also own the home who rent a property from either Scotland’s house building industry low to moderate incomes to own outright, but the Government a local authority or a housing and sustain construction jobs. a home. and the private house builder will association), disabled people, jointly fund an interest-free equity members of the armed forces, Buyers should be aware that they What is shared equity? loan for you and each hold a veterans who have left the armed will own the property outright Shared equity is a way to buy a security over the proportion of forces within the past two years, and the interests of the Scottish home without having to fund all of your home they have funded. and widows, widowers and other Government and the developer will be secured by a mortgage This table will help you decide which scheme might be able to help you. (or a ‘standard security’ as it is known in Scotland) on the property. The separate Shared I own a home I am a first-time buyer Equity Agreements that you enter LIFT Open Market � (to buy a home within into with Scottish Ministers and Shared Equity certain price thresholds on the the developer are for a 19 year open market) period. LIFT New Supply Shared � (to buy a new-build home Equity Scheme from a housing association) The New Supply Shared LIFT New Supply Shared Equity � (to buy a new-build home Equity with Developer with Developer Scheme from a participating developer) Scheme helps first-time buyers Shared ownership � to buy a new-build home from a participating home builder. Under � � Help to Buy (Scotland) Scheme (if you do own another home, the New Supply Shared Equity you are expected to sell this before scheme, the Scottish Government you purchase a home under the scheme) gives grants to registered social landlords – normally a housing � � MI New Home Scheme (if you do own another home, association or housing co-operative you are expected to sell this before – to help them build or buy you purchase a home under the scheme) new homes for sale. A brochure Low-cost for First Time Buyers Help to Buy Mortgage Visit the gov.uk website listed at the end of this article Initiative: New Supply Shared Guarantee scheme for more information. Equity available on the Scottish matters 4 January/February 2014 | www.gov.uk/housing-for-service-personnel-and-families Housing AFFORDABLE HOUSING SCHEMES IN SCOTLAND

Government website contains more The Help to Buy (Scotland) scheme property with an MI New Home Scheme detailed information. scheme aims to help stimulate interest-only first mortgage. The MI New Home scheme allows Scotland’s house-building industry • The Scottish Government will creditworthy borrowers to access Shared Ownership and to help people to buy a new help buyers to purchase the 90 to 95 per cent ‘loan to value’ Shared Ownership aims to help build home in Scotland from property and will take an mortgages from participating people on low to moderate a home builder who has been equity stake of up to 20% lenders to buy incomes to purchase a property approved to participate in the of the value of the property new-build Article compiled by FS Preston using where it is affordable for them scheme. • The Scottish Government’s homes in http://www. to over the long term. Through equity stake can be Scotland, with scotland.gov. a shared ownership scheme, Here’s a short summary of how repaid at any time. a maximum uk/Topics/Built- you can buy a 25 per cent, 50 the Help to Buy (Scotland) scheme sales price of Environment/ per cent or 75 per cent share works: If you are interested in the £250,000. It Housing as the in a house or flat owned by the • The scheme is only scheme, what should you was developed source document. housing association. available on new build do? in recognition homes from participating • Read the information on the of the fact that many creditworthy Help to Buy (Scotland) home builders and on website www.scotland. buyers are currently unable to buy Scheme homes up to a maximum gov.uk/Topics/Built- a new home because they are The Help to Buy (Scotland) scheme value of £400,000 Environment/Housing/ unable to save the large deposits aims to help first-time buyers and • Your mortgage lender is BuyingSelling/help- which lenders now need. existing homeowners to buy a likely to require you to-buy. This will provide you new-build home in Scotland from contribute a deposit of with vital information on how UK Government’s Help to a participating home builder. around 5% and your the scheme operates. Buy Mortgage Guarantee mortgage and deposit scheme A strong and growing house- must cover a combined • Search for Help to Buy This UK-wide scheme is a UK building industry is key to minimum 80% of the properties that are for sale by a Government initiative; the Scottish Scotland’s future economic total purchase price. participating home builder. The Government has no role in prosperity. The Scottish Government Your mortgage from a properties may be marketed for the scheme’s development or is supporting home ownership qualifying lender must be a sale on an estate agents website, delivery. For more information go by helping people to become repayment mortgage and on a home builder’s own to www.gov.uk/affordable- homeowners where it is affordable you are not permitted to buy website, in local newspapers, or home-ownership-schemes/ for them over the long term. a Help to Buy (Scotland) on the radio. overview matters Housing www.gov.uk/housing-for-service-personnel-and-families | January/February 2014 5 Housing Options Scotland

Before you buy see a choice of mortgage packages Before you decide to buy, take a from different lenders. look at all your housing options: • Renting from the local authority Once you have found a lender who • Renting from a housing offers a suitable mortgage, you will association need to tell them about: • Renting privately • your income and where it comes • Shared ownership from • Full ownership • the value and costs of the house you want to buy Think carefully about which option • your financial situation – do suits you best. Ownership is not you have other loans or debts? always the best option – for many Do you have rent or mortgage people, renting meets all their arrears? Are there any bad debt needs and offers you the flexibility or court judgements against to move on once your initial you? What are your savings or lease has expired. If you have investments? considered these options and still want to own a home of your You may want to consider buying a own, here is a guide to the owner property and renting it out until you occupation in Scotland. need to move in.

Costs of buying The deposit The mortgage Lenders will usually require a Mortgage is the legal name of a deposit of at least 10% of the value loan where you give the lender of the property you want to buy. If the title to your home in exchange you need to borrow more than 75% for the loan of money to buy it. of the value of the property, your People take out mortgages to mortgage will be considered ‘high buy a home or to do repairs and loan to value’, and most lenders improvements to their existing will require a fee from you to cover homes. The loan usually lasts for the additional risk of lending such a 15-25 years. Most people raise high percentage of the value. the money to buy a house through a mortgage lender – a bank or There is help available with the building society. A lender will deposit. fund part or most of your house purchase, depending on the size If you are interested in a new build of deposit you are able to make property there are various schemes on the house. which might help including www. minewhome.co.uk which can There are several different types help with funding up to 95% of the of mortgage, and which one cost of a property. You do not have you choose depends on your to be a first time buyer to apply. circumstances. The range of mortgages offered by a lender Another source of help is the will come with different monthly Scottish Government’s LIFT scheme payments and conditions. To find which gives priority to serving out which one suits you best you personnel, veterans of up to two may want to talk to a Financial years and war widows and widowers Adviser. Advisers can either be of up to two years. The LIFT scheme ‘tied’ to one financial lender, or can provide a grant of up to 40% they can be independent and of the purchase of a suitable home represent a selection of lenders. More information can be found at Whichever you choose, ask to www.scotland.gov.uk Housingmatters Housing Options Scotland

Legal fees you will be in a good position to Property values � adding certain initial costs to your In Scotland, you need a solicitor in find somewhere suitable. Since Property values also go up and mortgage e.g. legal fees order to buy a house. The solicitor the property crash of 2008 the down, although in the long term, � welfare benefits, will charge fees for professional Scottish Housing market has they generally increase. It is � If you receive certain welfare advice as well as for providing the changed considerably. Mortgage important to consider the risk of a benefits, you may be eligible legal documents for the mortgage finance is much harder to obtain, short-term fall in prices and how for extra benefit to help pay the and the house purchase. The cost there are fewer homes on the this would affect you, before you mortgage interest. Our leaflet of legal fees varies according to market, most properties attract take out a mortgage. ‘Benefits based borrowing’ the cost of the property and how very few offers and seldom go to explains this – ask your adviser if complicated the transaction is, a closing date, and in general Moving costs you think you might qualify. but you should budget for around selling prices are well under the Moving to a new house incurs costs £1000. If you have a house to home report valuation. such as installing a telephone, Getting further advice sell, you will also have legal and white goods, carpets and furniture Buying a house can seem estate agency fees to pay, and the Stamp duty that are not included in the house complicated but 60% of people amount will depend on the value If you buy a house costing over price. You may also need to make in Scotland have already done it of your home. Ask your solicitor £125,000 you will have to pay 1% adaptations to the house, such as successfully. You will get a lot of for an estimate. of the cost of the house in Stamp installing a ramp at the front door. help along the way – much of the Duty to the Government. On a Check what you will need before process can be handled by your Home report house of £130,000 for example you move so that you know you will solicitor and financial adviser. Ask The Home Report was created this would come to £1,300. have the money to cover it. for help and advice from: in December 2008 to replace � Your solicitor surveys being commissioned If the house costs over £250,000, Budgeting � Banks or building societies by all the prospective buyers of Stamp Duty is charged at 3%, If you already have your own � Independent Financial Advisers a property. It comprises three and increases further for more house, you will be used to � Solicitor’s property centres documents: a Single Survey, an expensive properties. There is budgeting for the usual running � Estate Energy Report and a Property no Stamp Duty due on new costs of a home. Remember that, agents Compiled Questionnaire. The seller properties. From April 2015, if you previously rented and are � Builders or by Moira will make the Home Report Stamp Duty in Scotland will now buying your first home, many developers Bayne of available to prospective buyers be controlled by the Scottish of the costs previously met by your � Any Citizens Housing of the home. The Single Survey government. landlord will have to be paid from Advice Options contains an assessment by a your own income now. Bureau Scotland surveyor of the condition of Insurance the home, a valuation, and an Depending on the type of If this is your first home, you Other useful accessibility audit for people with mortgage you take out, and your will have to budget for running contacts particular needs. The Energy family circumstances, you may costs such as gas and electricity, The Council for Mortgage Lenders Report contains an assessment need life assurance to ensure telephone, council tax, maintenance has some very useful information by a surveyor of the energy your mortgage is repaid if you die and repairs. The survey report for consumers regarding mortgages efficiency of the home and its before the end of the loan period should identify areas that might and buying a home you can find environmental impact. It also (usually 25 years). You will find need attention in the near future, this my going on to their website at recommends ways to improve its it helpful to consult a financial such as window or roof repairs. http://www.cml.org.uk/cml/ energy efficiency. The Property adviser who understands your Money Advice Scotland offers free consumers Questionnaire is completed situation to get the best deal on advice on budgeting. by the seller of the home and assurance. You can also find very useful contains additional information Help with costs information by logging on about the home, such as Council Interest rates All of the costs listed so far can to the money saving expert Tax banding and factoring costs. Interest rates go up and down add up to a substantial amount website http://www. and, unless you have a fixed rate of money, so it is important that moneysavingexpert.com/ There are some property hotspots- mortgage, the amount you have you know how you are going to mortgages/ where you will find Aberdeen and Edinburgh for to pay each month will normally manage. If you do not have savings lots of fact sheets and booklets example where prices have change to reflect this. Before you set aside, you may be able to get about mortgages. continued to rise. take out a mortgage, work out how help with some of these costs: much extra you can afford if the � gifts and loans e.g. from family And of course, Housing Options Your solicitor can advise you on interest rate goes up. If you do not members Scotland is ready to direct you to what to offer. If you are a chain keep up your mortgage payments, � grants (for example for the most appropriate source of free buyer with finance in place you could lose your home. adaptations) advice to meet your needs. matters Housing www.gov.uk/housing-for-service-personnel-and-families | January/February 2014 7 Buy a brand new Shared Ownership home with Guinness Homes

Think you can’t afford to buy a home of your own? Think again!

Guinness Homes are specialist providers of Shared Ownership homes nationwide and we can help you onto the property ladder.

With Shared Ownership you buy the share you can afford and pay a subsidised rent on the remaining share. This means you can buy with a smaller mortgage and deposit. Buying a home in manageable stages in the smarter, affordable way to home ownership.

Shared Owners typically save over 30% per month on their housing costs each month… … so why rent when you can own your own home?

Help Shares can start at as little as 25% and you can increase your share to Buy at any time all the way to 100%.

We have a range of beautiful, brand new homes across England to choose from, so take a look at our website to see if your next home is waiting for you.

Tel: 0844 800 2020 Email: [email protected] Web: www.guinnesshomes.co.uk Your home may be at risk if you do not keep up payments of your rent and mortgage or any other loan secured against it.

matters 8 January/February 2014 | www.gov.uk/housing-for-service-personnel-and-families Housing ADVERTISING FEATURE NO HOPE Experts who carried out a study among 2,000 ‘’L&Q identified a lack of awareness in the Worryingly, 81% of the study felt under 35’s found despite recent coalition initiatives consumer market and launched the PricedIn it’s becoming less realistic to and the recent average deposit for first time buyers campaign as a way to demystify Shared expect to own a home in Britain. increasing to £64,000, the need for sky high Ownership. It created a platform to reach deposits required to get on the property ladder those who believed they were priced out of the And nearly half say things haven’t gone to plan continues to suffocate the dreams of millions who London property market” and they’d expected to own a home by now. planned to buy a house. ‘’Since launching the PricedIn campaign we Reasons to abandon attempts to own a home The study found as many as 70 per cent of those have seen over 3,500 registrations and over altogether ranged from a worry about job security saving towards a deposit have even gone as far as 220 people housed through shared ownership to a long-term relationship ending. to abandon their attempts and spend the cash on since the beginning of the year.” holidays, cars or simply to cover bills as the current The study showed that three quarters of the 2,000 The average person thought 33 was the earliest downturn extinguishes their property plans. under 35’s describe themselves as ‘nowhere near’ age people could realistically hope to get on the ladder, after having saved for a deposit for at least In fact, one in two people under the age of 35 have to even getting on the property ladder. six years. ‘given up all hope’ of ever owning a property In fact, seven in ten think it’ll be at least five Cathy Lloyd, Sales Director for L&Q who years or more before they can turn dreams of A third of the sample had explored their property commissioned the study, said: “It’s clear that despite being a homeowner into reality. buying options and were disappointed as to what signs of recovery, many of the younger generation A fifth of those saving deposits end up was available for their price range. view the prospects of owning their own home as an abandoning their attempts and spending the lot However, 70% said they had no idea of the full unlikely dream. of it while a similar number spent ‘most of it’ range of mortgage options available to them. ‘’The study shows many are disheartened in their and 31% spent at least some of it rather than attempts to get on the property ladder and have leave it untouched. Cathy Lloyd added: ‘’It’s important the message abandoned efforts to save for a home altogether. Just 30% of those trying to get a deposit gets out there that there are many options for ‘’Results revealed many people now see becoming together have managed to leave their savings becoming a homeowner and other avenues they a homeowner as so unrealistic that they’ve decided untouched. can explore. to splash money on temporary luxuries or intangible Needing cash to cover the day to day bills was ‘’Shared Ownership really is one of the best ways things, further reducing their ability to buy property the biggest reason to dip into the deposit, while to help improve the negative attitude to home in the future. a third blew it on a holiday after giving up. buying in London that currently seems to exist and ‘’Shared Ownership has historically been there to A dejected 15% say they’ll never try to get onto get people on the property ladder who currently help support low income families purchase part of the property ladder again, but a determined believe it is out of their reach” their home, but is now increasingly being seen as a third are still saving and one in six are exploring way to get onto the property ladder in London. other ways of becoming a buyer. www.lqgroup.org.uk/pricedin

ADVERTISING FEATURE The Smarter Way to Home Ownership Why rent when you can buy?

If you are considering buying your own home but cannot afford to do so outright, then Shared Ownership may be an option for you.

How does it work? Under the Shared Ownership scheme you buy a share of the property and pay a subsidised rent on the remainder. The share you buy is based on the property’s current market value and shares can range from 25% to 75%. Shared ownership is flexible enough to suit you as your circumstances change so over time you can buy further shares up to full ownership.

Why is it so affordable? With Shared Ownership you buy only the share you can afford which means you need a smaller mortgage and deposit. The bigger the share you buy, the less rent you pay. Shared Ownership usually costs less per month than renting privately and you get all the benefits of owning your own home and the security that goes with it.

Check out our website www.guinnesshomes.co.uk and let us help you find your dream home.

matters Housing www.gov.uk/housing-for-service-personnel-and-families | January/February 2014 9 helping you fi nd the right house in the right Place in scotland

are you currently serving in hm Forces? in transition? or a veteran? if you’re in Scotland or want to relocate to Scotland we can help you. We know that the transition from the military to civilian life can be challenging. Finding the right house in the right place can help all the other pieces of the jigsaw – employment, schools, health care, social life, money – fall into place.

For over 15 years housing options Scotland, a charity, has been helping disabled people and their families fi nd suitable and affordable accommodation. Last year, with funding from Scottish government, Poppyscotland and the Lt dougie dalzell mc memorial Trust, we set up our military matters project to provide free and confi dential housing advice specifi cally for veterans and those currently serving.

This specialist service is led by a veteran and is part of the veterans Scotland housing Pillar. it offers practical help, guidance and reassurance along the path to fi nding the right house in the right place in Scotland. We can help you and your family with advice on social renting, private renting, home ownership, adaptations and what is affordable and sustainable for you.

So remember – it is never too early (or too late) to start thinking about your housing options! and getting our help is easy. email us on [email protected] ring us on 0131 247 1400, or apply online at www.housingoptionsscotland.org.uk and click on the ‘get help’ button for an interactive form.

Housing Options Scotland’s team gets ready for RAF Leuchars Airshow 2013

matters 10 January/February 2014 | www.gov.uk/housing-for-service-personnel-and-families Housing MOD MOD Referral Scheme

The MOD Referral Scheme is a scheme run by the MOD Referral Scheme Co-ordinator JSHAO. The aim is to help eligible Service leavers and Building 183 their families in to social housing. The scheme is reliant Trenchard Lines on Housing Associations requesting referral for vacant Upavon, Wiltshire SN9 6BE properties. The scheme does not require that you have a local connection and unlike Local Authority housing it may Tel: 01980 618219 be a way for couples without children and some single Fax: 01980 618068 personnel find housing. To apply please contact: Email: [email protected]

Properties available on the Referral Scheme as at 03 Oct 13*

No of Properties type of Property area Requirement Pets 10 2 bedroom flats London (Olympic Village) 1 or 2 adult + 1 child No Reserves required for 2 bedroom flats London (Olympic Village) 1 or 2 adult + 1 child No 19 Bedsits Birmingham 1 adult Speak to Landlord 19 1 bed flats Newcastle 1 adult or couple No children or pets 25 Various Wales – Various Various Speak to Landlord 1 2 bedroom flats Felixstowe 1 or 2 adult + 1 child 1 1 bed flat Bracknell 1 adult or couple 1 2 bed flat Bracknell 1 or 2 adult + 1 child

COMING SOON PROPERTIES IN WALES, SCOTLAND & KENT – DETAILS TO BE CONFIRMED. * The list goes to print weeks in advance of publication of this magazine therefore some of these properties will no longer be available. However, others in different locations will be available on the scheme. Please contact the JSHAO for up-to-date advice.

ADVERTISING FEATURE HOUSE BUILDER OFFERS SUPPORT TO NORTH MILITARY PERSONNEL Military personnel in the north are on a £150,000 home. The “As a company we have always “The Grange at Elgin is another set to benefit from discounts worth scheme is open to all UK armed recognised the dedication of site with a great sense of thousands of pounds as part of an forces personnel as well as to the men and women in the community and a family feel, with initiative being driven by a leading those retiring from the services. army, navy and air force and an excellent range of properties housebuilder. our armed forces discount is a available, and with strong ties to Representatives from the house mark of our appreciation and the Moray bases.” Barratt North Scotland, with builder have been liaising with something we hope can make a developments the bases at difference. The Pinefields site at Resaurie, in Inverness Lossiemouth, near Inverness, is a 64-home and Elgin, has Kinloss and “We know from the response development with a range of two demonstrated Fort George we have had when speaking and three-bedroom house styles its in Inverness to to military personnel, both in priced from £134,995. All of the commitment offer support Inverness and Elgin, that the properties benefit from the added to RAF, army and advice for discount is welcome and the attraction of the peace of mind and navy anyone keen Barratt team is always available provided by Barratt’s unique five servicemen to find out to offer expert advice on all year guarantee on fixtures and and women more about aspects of the process. fittings, a commitment to build in the region Interior of typical Ametrine housetype the offer. quality which is offered in addition with a focus on supporting the “Our recently launched Pinefields to the 10 year NHBC warranty. military community. Jo Crawford, sales manager with development in Inverness is one Barratt North Scotland, said: which is well suited to young For further information about The company’s armed forces “November is always a month families and we expect, with the Pinefields and all of Barratt’s discount offers a £1,000 discount which focuses the mind on the availability of the discount, that developments please visit www. for every £25,000 spent on a new work carried out by our armed to be particularly attractive to barratthomes.co.uk or call Barratt home, equating to £6,000 services personnel. services personnel. 0844 811 6655. matters Housing www.gov.uk/housing-for-service-personnel-and-families | January/February 2014 11 Housing in scotland

LOCAL AUTHORITY HOUSING IN SCOTLAND Councils in Scotland There are 32 councils (also known as local authorities) in Scotland. The contact details for each of these are set out below. Councils marked with an asterisk (*) do not provide council housing. Housing associations provide council housing in these areas instead. However, the council will be able to provide you with information about the housing associations in their areas and, if you are homeless, the council must accept your homelessness application and assess your situation.

Aberdeen City Council Dumfries & Galloway Council* North Ayrshire Council Phone: 01224 523 151 Phone: 030 3333 3000 Phone: 01294 314 700 Website: www.aberdeencity.gov.uk Website: www.dumgal.gov.uk Website: www.north-ayrshire.gov.uk

Aberdeenshire Council Dundee City Council North Lanarkshire Council Phone: 01467 628 234 Phone: 01382 307 400 Phone: 01698 274 184 Website: www.aberdeenshire.gov.uk Website: www.dundeecity.gov.uk Website: www.northlanarkshire.gov.uk

Angus Council East Ayrshire Council Orkney Islands Council Phone: 08452 777 778 Phone: 01563 576 617 Phone: 01856 873 535 Website: www.angus.gov.uk Website: www.east-ayrshire.gov.uk Website: www.orkney.gov.uk

Argyll & Bute Council* East Dunbartonshire Council Perth & Kinross Council Housing Phone: 01631 572 184 Phone: 0141 578 8000 Phone: 01738 476 000 Website: www.argyll-bute.gov.uk Website: www.eastdunbarton.gov.uk Website: www.perthshire.com

City of Edinburgh Council East Lothian Council Renfrewshire Council Phone: 0131 529 7200 Phone: 01620 827 827 Phone: 0141 840 3063 Website: www.edinburgh.gov.uk Website: www.eastlothian.gov.uk Website: www.renfrewshire.gov.uk

East Renfrewshire Council City of Glasgow Council* Scottish Borders Council* Phone: 0141 577 3001 Phone: 01835 824 000 Phone: 0800 838 502 Website: www.eastrenfrewshire.gov.uk Website: www.scotborders.gov.uk Website: www.glasgow.gov.uk

Falkirk Council Shetland Islands Council Clackmannanshire Council Phone: 01324 506 070 Phone: 01595 744 360 Phone: 0845 055 7070 Website: www.falkirk.gov.uk Website: www.shetland.gov.uk Website: www.clacksweb.org.uk

Fife Council South Ayrshire Council Comhairle nan Eilean Siar* Phone: 08451 550 033 Phone: 01292 612 000 Phone: 01851 709 371 Website: www.fife.gov.uk Website: www.south-ayrshire.gov.uk Website: www.cne-siar.gov.uk Highland Council South Lanarkshire Council Phone: 01349 886 606 Phone: 01698 454 444 Website: www.highland.gov.uk Website: www.southlanarkshire.gov.uk

Inverclyde Council* Stirling Council Phone: 01475 717 171 Phone: 0845 277 7000 Website: www.inverclyde.gov.uk Website: www.stirling.gov.uk

Midlothian Council West Dunbartonshire Council Phone: 0131 270 7500 Phone: 01389 737 000 Website: www.midlothian.gov.uk Website: www.west-dunbarton.gov.uk

Moray Council West Lothian Council Phone: 01343 563 529 Phone: 01506 775 000 Website: www.moray.gov.uk Website: www.westlothian.gov.uk matters 12 January/February 2014 | www.gov.uk/housing-for-service-personnel-and-families Housing Housing

Details of some of the other Housing Associations operating in Scotland are shown below:

Grampian Housing Association Langstane Housing Association Huntly House 680 King Street 74 Huntly Street, Aberdeen AB10 1Td aberdeen AB24 1SL Tel: 01224 202900 Tel: 01224 423000

Castlehill Housing Association Margaret Blackwood Housing Association 4 Carden Place Craigievar House Aberdeen AB10 1UT 77 Craigmount Brae Tel: 01224 625822 Edinburgh EH12 8XF Tel: 0131 3177227

Link Housing Association Cairn Housing Association Watling House, Callendar Business Park, 22 York Place Falkirk FK1 1XR Edinburgh EH1 3EP Tel: 0845 140 0100 Tel: 0131 556 4411

Horizon Housing Association Key Housing Association Leving House Savoy Tower Fairbairn Place 77 Renfrew Street Livingston EH54 6TN Glasgow G2 3BZ Tel: 01506 424140 Tel: 0141 3421890

Hillcrest Housing Association Servite Housing Association 4 South Ward Road 118 Strathern Road Dundee DD1 1PN Broughty Ferry, Dundee DD5 1JW Tel: 01382 564700 Tel: 01382 480915

PRIVATE RENTING disabled Veterans. Some properties are tied to particular sections of the The Scottish Executive website http://www.scotland.gov.uk/ Veterans community due to the original covenants under which they were Topics/Built-Environment/Housing/privaterent, gives advice gifted. You can contact them on 0131 551 1595. for landlords and tenants on all aspects of private renting. Poppy Scotland provides support and advice to veterans and HOUSING ASSOCIATIONS their families in Scotland. They also fund an advice helpline, which Housing Associations are non-profit making providers of accommodation. provides support on housing, employment, benefits, debt and money Most associations in Scotland are funded by Scottish Homes and work management. You can call the helpline on 0845 231 0300 or you can closely with local councils to help people in housing need. Associations visit their website at www.poppyscotland.org.uk. keep waiting lists which you can apply to join; however, these may close from time to time. In addition, housing associations take referrals from Scottish Veterans Residences supports independent living for the local councils they work with (“nominations”). Please note: housing ex-service men and women and their husbands and wives. Phone 0131 association activity is most common in the larger towns and cities. There 556 0091 or visit their website at www.svronline.org. are two Housing Associations operating in Scotland with a specific interest in helping ex regulars: Scottish Veterans Garden City Association provides houses for rent by disabled British ex-service personnel, and merchant navy, police Haig Housing and fire brigade personnel. Phone 0131 557 1188 or visit their website Haig Housing has family sized property in Edinburgh and Glasgow www.housesforheroes.org.uk. which it only lets to people who are leaving or have left the Services. Applicants also need to be in housing need. Contact Haig Housing at Soldiers, Sailors, and Airmen and Families Association Alan Dobson House, Green Lane, Morden, Surrey SM4 5NS (SSAFA) provides advice through its Housing Advisory Service on 0207 Tel: 020 8685 5777 or go onto their website 463 9398, through their website at www.ssafa.org.uk or through www.haighousing.org.uk. one of their local branches. They also have a confidential support line on 0800 731 4880. Veterans Scotland – Housing For Heroes In Scotland, housing and accommodation for Veterans and their Veterans First Point offers help and assistance to veterans in dependants is provided by a number of independent charitable Lothian, whatever their needs are. Phone 0131 220 9920 or visit their organisations. All of these organisations are members of Veterans Scotland website at www.veteransfirstpoint.org.uk. and they work together to provide the best possible service to Veterans and their dependants. All the properties managed by these charities can be Shelter Scotland can also give information and advice on housing accessed using the single Application Form to be found in the Application issues. Phone (free): 0808 800 4444. Their helpline is open 9am to Area of their website www.veteransscotland.org.uk Properties range 5pm Monday to Friday. from hostel accommodation for single people to fully adapted houses for Website: http://scotland.shelter.org.uk/getadvice matters Housing www.gov.uk/housing-for-service-personnel-and-families | January/February 2014 13 Bellrock Crescent front elevation Scottish Veterans Residences Housing for Veterans and ex-service personnel in Scotland

For veterans who are The main focus of all SVR services to acknowledge their right to visual room, conference room and vulnerable, perhaps is now is to help prepare veterans privacy and confidentiality when computer suite which are located because of poor health with ‘transitions’ whether that they receive SVR support or when front of house in the main foyer. and poverty, or because of entails adjusting from military they access other services. When the risk of homelessness, to civilian life, or, for vulnerable veterans engage in the transitional 21 of the flats will provide Scottish Veterans veterans who have struggled, support programme, they can be permanent one and two bedroom Residences (SVR) and the to adjust and adapt to some of assured that their views are kept at homes for affordable rents, and Scottish Veterans Housing life’s challenges. The housing the forefront, informing everything all are barrier free with lift access. Association (SVHA) have support teams are on hand to SVR do on their behalf. Veterans and their partners and provided a real lifeline provide practical assistance children can apply for these for thousands of veterans. with health and wellbeing, In recent years the organisation homes which will be advertised They have been with education and life skills, has worked towards further service on the Veterans Scotland website Information supported at one training and employability, and improvements with a substantial early in 2014. These flats are in provided by time or another to assist with planning for and investment and upgrade of the close proximity to the main foyer. Edward Gorman, in SVR’s Houses procuring permanent homes in HMO accommodation, which Manager, of Multiple the community. They view every now provides self-contained flats 30 of the flats provide temporary Scottish Veterans Occupancy (HMOs) veteran they work with as an or ensuite bedrooms with excellent supported accommodation, Housing at Rosendael individual and consider each communal and catering facilities for single persons that are fully Association in Broughty person’s circumstances as unique. and full board arrangements furnished to a high standard, Ferry, and at Their approach is therefore to offering healthy and nutritious with dedicated support staff Whitefoord House in the treat each veteran with the respect meals. Most recently, SVHA have and facilities to help veterans to Canongate of Edinburgh. and dignity they deserve, and been funded by the Scottish plan for and achieve successful Government and a transition through attaining number of military employment or training and charities to support mainstream housing. These flats the development are immediately adjacent to the of Bellrock Close front of house facilities. a brand new service in Glasgow The Housing Support team will providing veterans be available from 8am until 8pm, with both permanent 7 days per week, 365 days per and temporary year, and a concierge will be on accommodation and duty from 8pm until 8am. Should transitional housing you know of a veteran who support. requires this level of service, the referrals process is deliberately The development intended to be socially inclusive of 51self contained and non-discriminatory. All flats for vulnerable referrals to SVR can be made veterans is currently by individuals (including self- under construction referrals) or by local authorities, and is likely to reach homelessness services, hostels, completion for ex-service organisations and handover in June veterans’ welfare services. All 2014. Alongside the applicants will be assessed by flats SVHA are also qualified practitioners to ensure providing excellent that each individual’s needs are facilities including a met by SVR services and that SVR gymnasium, social prioritise those most in need of Bellrock Crescent overhead view enterprise café, audio transitional housing support. matters 14 January/February 2014 | www.gov.uk/housing-for-service-personnel-and-families Housing ADVERTISING FEATURE Authorised and regulated by the Financial Conduct Authority Help to Buy Schemes in Hampshire & P E A R S O N Isle of Wight INDEPENDENT ADVISERS

Like most young couples, Ryan and Daniella were both living at ExpEriEncEd in working with sErvicE home with their parents and trying hard to save enough money pErsonnEl and thEir familiEs for a mortgage deposit. Whilst searching the internet for potential  Full financial advice service available properties, Daniella came across an advert for Shared Ownership with access to the whole market including homes through the local Help to Buy Agent for Hampshire and mortgages, insurance, pensions, savings Isle of Wight, HomesinHants. Daniella contacted HomesinHants and investments. to find out more about the particular scheme, where you only need from as little as a 5% deposit to purchase.  FREE consultations by telephone or in person to suit you. “We were both still living with our parents because we didn’t want  BFPO? No problem. Worldwide Service. to rent as we believe it is lost money, therefore we decided to wait until we had a good deposit for a mortgage.” said Daniella.  Talk to us about the MOD's new forcEs hElp to BUY. “It’s a great scheme, and extremely affordable” said Ryan, “We would definitely recommend Shared Ownership; we’ve Phone: 0044 (0)1793 771205 managed to purchase our first home together, much sooner than expected.” Fax: 0044 (0)1793 772280 E-mail: [email protected] For more information on Shared Ownership and Help to Buy, Web: www.pearsonia.co.uk contact your Help to Buy Agent for Hampshire & Isle of Wight, HomesinHants, on 023 8062 8004 or visit the website Pearson Independent Advisers is a trading style of Mortgage Horizons Ltd www.homesinhants.co.uk for further information. Your home may be repossessed if you do not keep up repayments on a mortgage or other loan secured on it.

matters Housing www.gov.uk/housing-for-service-personnel-and-families | January/February 2014 15 ADVERTISING FEATURE Riverside ECHG Supporting Veterans

Riverside ECHG’s (RECHG) work with homeless Veterans is grounded in our knowledge of their needs; many of our support staff have a Services background.

This experience has helped RECHG develop a unique partnership with the Ministry of Defence which started in 2000 and has recently reached the major milestone of delivering help to over 11,500 Veterans.

RECHG’s remit is to provide support, temporary and permanent accommodation and training to Veterans facing homelessness. The backbone of this is SPACES, our Housing Advice Service located within The Beacon.

RECHG have two supported housing and social enterprise schemes for veterans, both are situated next to large military garrisons – The Beacon in Catterick and Mike Jackson House in Aldershot. Together these provide support for fifty-six Veterans at any one time.

PTSD is a driving issue, so RECHG developed in-house facilities for Contact: Catterick Military: (9)47312940 Catterick Civilian: 01748 833797 / 872940 / 830191 mental health and therapeutic support within our schemes. Lack of email: [email protected] and visit www.spaces.org.uk employment skills is another challenge, so we’ve launched social SPACES can help you find permanent housing, or they can refer you to either enterprise partnerships including our Veterans Artisan Bakery at The our new project The Beacon in Catterick, North Yorkshire or Mike Jackson House, Aldersot. Both provide temporary accommodation for single Service leavers in modern, Beacon. This has attracted support from celebrity chefs such as Rosemary fully-furnished, self-contained flats, with support staff on site 24/7. Shrager & Marco Pierre White and is providing on-the-job training for For further details please contact the SPACES office Quoting Ref: MP13 Veterans and a financial return for the service. The Beacon SPACES Office Using our experience RECHG are actively working with Ministers and Marne Road Catterick Garrison the MoD to ensure that into the future the country has sufficient and North Yorkshire DL9 3AU appropriate support for Veterans. Need Help to Buy?

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matters 16 January/February 2014 | www.gov.uk/housing-for-service-personnel-and-families Housing www.methodpublishing.co.uk

Method Publishing sutherland Press house Main street . golspie sutherland KW10 6RA telephone . 01408 633871 Facsimile . 01408 633876 email . [email protected]

Publishers to the Ministry of defence and to Army garrisons and establishments throughout the world

ADVERTISING FEATURE Need Help to Buy that’s CIVVY STREET NEEDS what we are here for YOUR HELP. If like many currently serving in the armed forces you would love to own a property of your own rather than live in If you are about to leave the Forces and have time to military housing, but think you will never be able to afford to spare, come and work as a part-time volunteer for charity. do so, help is at hand. The organisational skills you learned can be of vital EMHomeBuy is the Help to Buy Agent for the East Midlands, importance to the success of a voluntary organisation – covering Nottinghamshire, Derbyshire, Lincolnshire, and help give you a new lease of life into the bargain! Leicestershire, Rutland and Northamptonshire. Our role as Help to Buy Agent is to give you and your family help and REACH provides a free job-finding service throughout advice on all aspects of buying a home of your own. the UK and could find you a satisfying, voluntary As a member of the MOD you will be treated as a priority on opportunity nearby. eligibility for all of the affordable homeownership schemes supported by the government. Phone for details or visit our website at www.volwork.org.uk With hundreds of different properties in the East Midlands advertised on our website, www.emhomebuy.org , there is a way for you to be able to buy that dream home through one of the affordable homeownership schemes. From new or second hand properties on Shared Ownership, where you can buy as little as 25% of the property whilst paying a reduced rent on the remaining share, or purchasing a brand reach new home from a new homes developer through the Help 89 Albert Embankment, London SE1 7TP. to Buy scheme. Tel: 020 7582 6543 Registered Charity No 278837 For more information call us on 0844 892 0112 matters Housing www.gov.uk/housing-for-service-personnel-and-families | January/February 2014 17 prices

HOUK Average Price: £170,386U | QuarterlyS ChangeI :+2.0%N | Annual Change:G +6.2%

1 Scotland 7 The West Midlands Average Price: £118,300 Average Price: £155,145 Quarterly Change: +3.2% Quarterly Change: +3.0% Annual Change: +8.4% Annual Change: +4.5%

2 Northern Ireland 8 Wales Average Price: £90,951 Average Price: £144,144 Quarterly Change: -0.2% Quarterly Change: +0.0% Annual Change: -24.8% Annual Change: +11.6%

3 The North 9 East Anglia Average Price: £129,015 Average Price: £162,096 Quarterly Change: +3.8% Quarterly Change: -1.8% Annual Change: +5.2% Annual Change: +1.2%

4 Yorkshire and The Humber 10 Greater London Average Price: £119,613 Average Price: £296,809 Quarterly Change: -0.5% Quarterly Change: +4% Annual Change: +2.2% Annual Change: +9%

5 The North West 11 The South West Average Price: £130,977 Average Price: £190,176 Quarterly Change: +3.9% Quarterly Change: +2.5% Annual Change: +11.6% Annual Change: +5.8%

6 The East Midlands 12 The South East Average Price: £139,908 Average Price: £242,834 Quarterly Change: -0.4% Quarterly Change: +2.0% Annual Change: +5.1% Annual Change: +7.0% Source: www.lloydsbankinggroup.com

Commenting, Martin Ellis, housing economist, said: consumer confidence supported by the increasing evidence that a “House prices in the three months to October were 1.6% higher sustainable economic recovery may now be underway, are helping to than in the previous three months; this rate is below the increases of increase housing demand. Schemes, such as Funding for Lending and 2.0-2.1% recorded in each of the previous four months. Despite the Help to Buy, also appear to have boosted demand. slowdown in the quarterly rate, the annual rate continued to rise with prices in the three months to October 6.9% higher than in the same “Despite increases in the past year both house prices and sales remain three months last year. below the levels reached at the height of the last housing market cycle in 2006/2007. Sentiment towards selling has also improved in recent months “Demand has increased this year, putting upward pressure on house in response to the pick-up in the market, which should help to increase the prices and increasing levels of activity. Low interest rates, and higher availability of properties on the market over the coming months.”

Working for victims of crime Victim Support is the national charity for victims of crime offering: I Emotional Support I Information I Practical Help through trained volunteers based in local Schemes and Witness Services If you have been affected by crime call: Method Publishing Victim Supportline 0845 30 30 900 sutherland Press house PO Box 11431, London SW9 6ZH Main street . golspie Open 9am – 9pm weekdays, 9am – 7pm weekends & 9am – 5pm Bank Holidays. sutherland KW10 6RA A service you can rely on All UK calls charged at local rates. telephone . 01408 633871 Facsimile . 01408 633876 matters Method Publishing 18 January/February 2014 | www.gov.uk/housing-for-service-personnel-and-families Housing A division of scottish Provincial Press ltd Method Publishing sutherland Press house Main street . golspie sutherland KW10 6RA A service you can rely on telephone . 01408 633871 Facsimile . 01408 633876 matters Method Publishing HousingA division of scottish Provincial Press ltd www.gov.uk/housing-for-service-personnel-and-families | January 2013 19 In beautiful countryside one mile south of the small Cotswold town of Corsham – midway between Bath and Chippenham lies

The Services Cotswold Centre Any Service family needing short term accommodation, between postings, on retirement, for a break in the country or for Welfare reasons can stay at the Centre.

You stay in centrally heated, fully furnished and equipped, 3 to 4 bedroom self-catering chalets.

To find out more contact your Welfare Office or telephone the Centre 01225 810358. Your Home from Home

meth’od (mthd) n. Method Publishing have

1. A means or manner of procedure, especially a regular and systematic way been publishers to the Ministry of accomplishing something: a simple, uncomplicated but professional of defence since 1964, our method for creating a publication; the method of solving problems. publications include: Army and 2. Orderly arrangement of parts or steps to accomplish a publication; random efforts lack Method. service community official guides,

3. The procedures and techniques characteristic of a particular discipline Regimental journals, Prospectuses, or field of knowledge; printing and publishing methods. garrison Magazines, AFF Families [Middle English, from Latin methodus, publishers to the Ministry of Defence since 1964, publications include: Service Community Official Guides in the United Kingdom and journal, Airwaves, housing Matters, Germany, regimental journals, Corps prospectuses, Garrison Magazines, Envoy, Mascot and many others. housing Matters, homeport, Mascot and many others.]

Method Publishing sutherland Press house Main street · golspie sutherland KW10 6RA telephone · 01408 633871 Facsimile · 01408 633876

matters 20 January/February 2014 | www.gov.uk/housing-for-service-personnel-and-families Housing Useful property Sales Websites

The following sites offer properties for sale in the UK; some also offer properties to rent and the of opportunity to sell your home list online. The larger property websites also offer properties for sale abroad and information and tips on homebuying and mortgages.

www.belvoir.com FORMERMarried Quarters www.estateagent.co.uk www.findaproperty.com

www.fish4homes.co.uk

www.home.co.uk

Location Home Types Prices from For more information contact www.naea.co.uk Annington’s appointed agents: www.new-homes.co.uk

www.primelocation.co.uk Cambridgeshire Selection of 2, First release all Sales Office www.propertybroker.co.uk Haling Place 3 or 4 Bed reserved, second Please call 01223 864739 or email: L/S Houses release coming [email protected] www.propertyfinder.co.uk soon www.reallymoving.com

www.rightmove.co.uk Uxbridge Selection of 2 First release all Sales Office www.zoopla.co.uk Beaufort Green Bed Flats, 3 reserved, second Please call 01895 254922 or email: L/S or 4 Bed Houses release coming [email protected] early 2014

Useful Broker Websites Kingsway 4 or 5 Bed From £200,000- Property Centre Gloucester Detached Houses £250,000 Please call 01452 545556 or email: [email protected] The following websites offer information about a range of mortgages from different Suffolk 2 Bed Terraced £124,950 William H Brown lenders. Honington House Please call 01284 762131 or email: [email protected] www.cdvmm.com

Please go to www.annington.co.uk for a full listing of all our forthcoming sites and to register www.charcolonline.co.uk your interest. www.moneyextra.com

Legal and Survey Fee Incentive (L/S) Annington will pay £750 towards the buyer’s legal fees and www.moneysupermarket.com mortgage survey fee* (*Subject to terms and conditions. Please ask the sales adviser on site or the www.mortgage-next.com appointed estate agent for further details) www.siiap.org All information is correct at time of going to press Annington Homes Ltd, 1 James Street, www.spf.co.uk London, W1U 1DR – November 2013. www.virginmoney.com

matters Housing www.gov.uk/housing-for-service-personnel-and-families | January/February 2014 21 # applications to RRC Northolt Admin Team CIVILIAN * applications to RRC Rosyth For courses in Germany, applications should be sent to RRC Herford Tel:0049 5221880 466 or 94882 3388

Applications to be made on MoD Form 363 to Regional Resettlement Centres for courses Housing in the UK and to Army IEROs for courses in Cyprus. You can also apply through JPA depending Briefings 2014 on your circumstances

Joint Service Housing Advice Office Civilian Housing Briefings are designed primarily for Service Personnel and their dependants who are shortly to leave the January June Service and intending to settle Thu 09 Tidworth Wed 04 episkopi in the UK. Attendance does not Thu 16 cottesmore Thu 12 aldershot count against the Resettlement Tue 17 Plymouth Entitlement. Service personnel Tues 21 colchester # Thu 19 Portsmouth who are remaining in the Tue 28 aldershot service but considering their Tue 24 hohne housing options may also attend Wed 25 herford the briefings. Spouses and partners are also encouraged February to attend as Housing is often a Tue 04 rosyth* July joint commitment. Thu 06 northolt Tue 08 catterick Thu 10 cottesmore Tue 18 Plymouth Tue 15 northolt Thu 20 Portsmouth Thu 24 Tidworth

March September Tue 04 catterick Tue 02 aldershot Thu 06 cottesmore Tue 09 Kinloss Tue 16 Plymouth Thu 13 Tidworth Thu 18 Portsmouth Tue 18 Lossiemouth Wed 24 dhekelia Tue 25 chepstow

October April Thu 02 Tidworth Tue 01 hohne Tue 07 hohne Wed 08 herford Wed 02 herford Wed 15 chepstow Thu 10 aldershot Tue 21 rosyth* Tue 15 cosford Tue 28 aldergrove NI Tue 29 aldergrove NI.

November May Tue 04 catterick Thu 06 cottesmore Tue 13 catterick Wed 12 colchester # Thu 15 cottesmore Thu 13 Shorncliffe Tue 20 colchester # Wed 19 northolt Wed 21 Shorncliffe Tue 25 Tidworth Thu 29 Tidworth Thu 27 aldershot

matters 22 January/February 2014 | www.gov.uk/housing-for-service-personnel-and-families Housing Feeling priced out of thethe London property marmarket?

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Industrial and Provident Society 30441R exempt charity. Details correct at time of going to print 11/13. Your home is at risk if you fail to keep up repayments on a mortgage, rent or other loan secured on it. Please make sure you can afford the repayments before you take out a mortgage. Competition Terms & Conditions apply: Register to be entered into the prize draw to win a Gym Membership. *The ﬁgure quoted is a percentage share and is a guideline and may vary according to individual incomes and circumstances. FOR FULL TERMS & CONDITIONS please see www.lqgroup.org.uk/pricedin for details. Imagery depicts a CGI representation of the development/s.

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