You should be a first time buyer or an existing shared owner looking to move. Or you used to own a home but can’t afford to buy one now.The shared ownership scheme is available on new homes or an existing home through a housing association resale programme.Help to Buy: Equity loan This is a government loan that helps you with the deposit on your house.The government lends you up to 20 percent of the cost of the house (you won’t be charged loan fees on this for the first five years) so you only need to provide a 5 per cent cash deposit and then take out a 75 percent mortgage to make up the rest.Equity loans are available to either first time buyers or current home owners buying a new home underAn Oakwell home at Stokes Rise can be purchased with a deposit of Pictured is a detached home at Mulberry’s Earls Place, Earls Barton developmentKerry Jones, head of sales at Mulberry Homes said: “Last year, the Government revealed that 80 per cent of all Help to Buy reservations are from those people buying their first home. In light of this, we’re making a conscious effort at all of our developments to ensure second steppers and in fact all prospective buyers are also aware of the scheme and the benefits it can bring.”Available to all house hunters, Help to Buy can offer home buyers a great opportunity to move into a larger more luxurious property at a much lower cost.
Not to be left out, Est Lauder opened its own 15 scientist Innovation Institute in Pudong in November, stacked with pigments with names such as “gleamer flake” and “magic mauve.” As a latecomer, Est Lauder’s strategy has been to build a finally this glamorous American brand is available in China buzz for its prestige lines long before they go on sale. It also gives away cosmetics to China’s leading makeup artists to encourage them to experiment on models for shows and movies. “We have been watching and feeling the pulse of the China market for a long time,” says Carol Chen, Lauder’s Taiwan born general manager and the only ethnic Chinese woman heading a major beauty company in China.
Prince Harry has rarely been seen without Cressida Bonas since 2012 now, but the royal Lothario has never been short on beautiful ladies. Who can blame his string of (sometime rumoured) ex girlfriends, the cheeky chappy definitely looks like he knows how to have a good time. We don’t know anyone that could say no to the cute royal’s chat up line “Do you want to come back to my palace for a drink?”.
The bumper pool table is set by placing 2 balls on each side of the pocket and putting the cue ball directly in front of it. Both players shoot the cue ball simultaneously by hitting the side rails and trying to get their ball close to or inside the pocket at the other end of the bumper pool table. The player or team who gets the closest or sinks their cue ball first gets the next shot, following the same procedure above for the cue ball.