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Terms and Conditions

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These offer terms and conditions ("T&Cs") were last updated October 2024.

Part 1 of these T&Cs set out the general terms which apply to all Offers (defined at paragraph 2.1 of Part 1) ("General Terms").

Part 2 of these T&Cs set out the terms and conditions for each specific Offer ("Specific Offer Terms").

 

Part 1 – General Terms and Conditions

 

We specifically draw your attention to paragraph 3.9 and 3.15 of this Part 1.

 

1. Who we are and how to contact us

1.1  We are HarperCrewe Limited, a company registered in England and Wales with company number 11978037, whose registered office address is 1 Vincent Square, London, United Kingdom, SW1P 2PN ("we", "us", "our", "HarperCrewe").

1.2  You can contact us by email at sales@harpercrewe.com.

 

2. T&Cs

2.1  These T&Cs set out the terms upon which we make each offer specified at Part 2 of these T&Cs ("Offer") available.

2.2  These T&Cs apply to the individual or individuals that apply for an Offer ("you", "your").

2.3  You will be asked to accept these T&Cs when you apply for an Offer.

2.4  By accepting these T&Cs, you acknowledge you: (a) have read, understood and agree to these T&Cs and (b) will be legally bound by these T&Cs.

2.5  Please do not accept these T&Cs if you do not agree to them. If you do not agree to these T&Cs, you will not be permitted to apply for an Offer.

2.6  These T&Cs will prevail over any verbal or written explanations or summaries given by any of our sales team.

2.7  If you have any questions about these T&Cs and/or an Offer, please contact us via the email address specified at paragraph 1.2 above. 

 

3. Offers

3.1 The specific details of each Offer (for example, the properties to which the Offer applies and the duration of the Offer ("Offer Period")) are included in the Specific Offer Terms or will be set out in our marketing materials for such Offer. If our marketing materials conflict with the Specific Offer Terms in any way, the Specific Offer Terms will prevail.

3.2 Enquiring about an Offer does not commit you to purchasing a property from us. 

3.3 To apply and be considered for any Offer, you will be required to: 

(a)   meet the eligibility criteria for such Offer, as set out in the relevant Specific Offer Terms ("Eligibility Criteria");

(b)   complete and submit to us the application form for the relevant Offer ("Application"). The information you provide must be accurate and complete and must be provided within any time periods which we have made known to you (which we will ensure are reasonable);

(c)   sign a reservation agreement ("Reservation Agreement") to reserve a HarperCrewe property; and

(d)   pay a reservation fee in full in the amount specified in the Reservation Agreement ("Reservation Fee"),

within the Offer Period. 

3.4  If you choose to sign a Reservation Agreement:

(a)   please let us know before you sign the Reservation Agreement if you are relying on anything which we have told you which you do not feel is reflected in these T&Cs; 

(b)   the terms of the Reservation Agreement will apply to your reservation of the property. The Reservation Agreement will explain when, and for how long, the property will be taken off the market. The Reservation Agreement will also explain how the Reservation Fee will be used and whether you will be entitled to a refund of all, or part, of the Reservation Fee if you decide not to proceed with your reservation and/or commit to a purchase of the property. Please read the Reservation Agreement carefully;

(c)   you are not committing to purchase the property from us. You will only be legally bound to purchase a property from us, and we will be legally bound to sell a property to you, once we and you sign a binding property purchase agreement; and

(d)   if you choose to proceed with a purchase, you must exchange and complete the contract for the purchase of the property within the time period specified in the Reservation Agreement. Failure to do so may result in the withdrawal of the Offer.

3.5  We reserve the right to change the terms of, and/or withdraw, any Offer at any time prior to you entering into a Reservation Agreement with us. We will tell you in writing if we do so. Once you have entered into a Reservation Agreement, we can only change the terms of such Offer if we specifically agree the change with you in writing. 

3.6  We will confirm to you in writing if we accept or reject your Application. We may accept or reject your Application as we see fit. If you fail to comply with any of the requirements at paragraph 3.3 above, we will reject your Application. We are not obliged to accept your Application if you meet the requirements of paragraph 3.3 above. If we accept your Application, you are entitled to take part in the Offer. If we reject your Application, you are not entitled to take part in the Offer.

3.7  An Offer will only become legally binding when we confirm acceptance of your Application in writing and you have chosen to enter into a binding contract to purchase a Property from us.

3.8 If you intend to purchase a property form us with a mortgage and your mortgage application is rejected, the property will be made available for reservation and/or purchase by another person subject to the expiry of the relevant reservation period if you have entered into a reservation agreement with us.

3.9 We are not considering, approving or recommending your mortgage or providing you with financial advice in any way.

3.10 You can only apply for one Offer per property purchase. If you apply for more than one Offer for a property purchase, we will contact you to confirm which one Offer you wish to apply for. Your Application for all other Offers will be rejected. 

3.11 An Offer cannot be combined with any other offers, discounts or incentives, unless expressly stated by us in writing.

3.12 An Offer cannot be exchanged for cash or any other form of compensation.

3.13 Offers are only available on selected new build homes from HarperCrewe and are subject to availability.

3.14 Offers are not available if you purchase a property as a corporate buyer or investor, or via a buy-to-let scheme.

3.15 The Offer may have financial, tax, and/or legal implications. You are advised to seek independent legal and financial advice to understand the implications of an Offer.

4. How we will handle your personal data

We will manage any personal information you give to us when applying for an Offer in accordance with our privacy policy, which is available on our website: https://www.harpercrewe.com/privacy-policy.

 

5. General

5.1 We may transfer our rights under these T&Cs to another organisation within our group or ask another organisation within our group to fulfil any of our obligations under these T&Cs. We will tell you in writing if this happens and we will ensure that the transfer or fulfilment does not affect your rights.

5.2 You may only transfer your rights or your obligations under these T&Cs to another person if we agree to this in writing.

5.3 Only you and we have rights under these T&Cs. No other person, company or organisation shall have any rights under these T&Cs.

5.4 These T&Cs do not affect your statutory rights.

5.5 If you are unhappy with any information that you have been given and/or with the service that you have received from us, please contact us via the email address specified at paragraph 1.2 above and we will do our best to resolve your concerns.

5.6 These T&Cs are governed by English Law. 

5.7 You may bring legal proceedings in the English courts if you feel you have grounds to do so. 

5.8 We pride ourselves in complying with the Consumer Code for Home Builders which is available here: https://consumercode.co.uk/resources/

Part 2 - Specific Offer Terms and Conditions

 

Part Exchange Terms and Conditions

1. Part Exchange 

1.1 These part exchange terms and conditions and the General Terms apply to your Application for the Part Exchange offer.

1.2 "Part Exchange" means trading in your existing property ("Property") as part payment of the HarperCrewe property you are purchasing ("Plot").  

2. Eligibility Criteria

The Part Exchange offer will only be available to you if the value of your Property is no more than 60% of the price of the Plot, up to a maximum value of £500,000.

3. Part Exchange Application

3.1 Once you have submitted your Application to us, we will review your Application and confirm to you in writing whether or not you are eligible for the Part Exchange offer. 

3.2 If we confirm you are not eligible for the Part Exchange offer, you will not be entitled to Part Exchange your Property. If you wish to purchase the Plot, you will need to pay a deposit and, in due course, the remainder of the purchase price of the Plot, in full as specified and explained in the property purchase agreement you enter into with us.

 

3.3 If we confirm you are eligible for the Part Exchange offer, this does not mean you are entitled to Part Exchange your Property. You will only be entitled to Part Exchange your Property if: 

(a)   we confirm in writing that your Application is accepted; and 

(b)   you agree to the Valuation (defined at paragraph 3.5) in accordance with paragraph 3.6. 

3.4 If we confirm that you are eligible for the Part Exchange offer, you will need to provide our estate agents, surveyors and/or representative with access to your Property on an agreed date and time to conduct a valuation, inspection and a survey of your Property. If you fail to do so, your Application will be rejected and once your reservation of the Plot has expired, the Plot will be made available for reservation and/or purchase by another person. 

3.5 Following a valuation, inspection and survey of your Property, we will confirm to you in writing: 

(a)   the valuation of your Property ("Valuation");

(b)   whether your Application is accepted or rejected; and 

(c)   if your Application is rejected, the reasons why. 

3.6 If we reject your Application, you will not be entitled to Part Exchange your Property. If you wish to purchase the Plot, you will need to pay a deposit and, in due course, the remainder of the purchase price of the Plot, in full as specified and explained in the property purchase agreement you enter into with us.

3.7 If we accept your Application, you must confirm to us in writing whether you accept or reject our Valuation within 3 working days of us confirming the Valuation to you. 

3.8 If you fail to confirm your acceptance or rejection of the Valuation or you reject the Valuation within the 3 working day timeframe referred to at paragraph 3.6 above, we will reject your Application and once your reservation of the Plot has expired, the Plot will be made available for reservation and/or purchase by another person.

3.12        If you accept the Valuation:  

(a)   you will be required to enter into a property purchase agreement with us to purchase the Plot;

(b)   you must instruct a solicitor to act on your behalf upon in relation to the purchase of the Plot; 

(c)   you must advise your solicitor that contracts for the Plot and Property must be exchanged within 42 days of them being instructed, or such longer timeframe as agreed by we and you in writing; and

(d)   you must cancel your arrangements with all estate agents in relation to your Property and any estate agents’ fees that are incurred will be your responsibility. We will not be responsible for paying such fees.

3.13        You will be legally bound to Part Exchange your Property if you sign a property purchase agreement.

4. Your obligations in relation to the Property 

4.1  Certain items within your Property are deemed fixtures and fittings and must remain at the Property as they are included in the Valuation. Our estate agent or Part Exchange Manager will agree with you the fixtures and fittings that must remain at the Property ("Agreed F&F"). The Agreed F&F must be identified on the Property Inspection Form, which will form part of the property purchase agreement. 

4.2  If there are fixtures and fittings you wish to remove from the Property, these must be agreed with our estate agent or Part Exchange Manager and documented in the Property Inspection Form ("Removed Items"). 

4.3  If required by us, you must replace any Removed Items prior to completion of the Property. 

4.4  You must repair (or pay for the repair of) any damage caused following the removal of any items from the Property, including the filling of any holes and repainting.

4.5  Prior to exchange of contracts, you must:

(a)   provide to us a corgi or gas safety service certificate for all gas equipment and an electrical testing certificate for all electric equipment at your Property to certify they are safe and in a full working condition; and

(b)   an Energy Performance Certificate for the Property.

4.6  You must replace any prepaid service meters at the Property with standard credit meters prior to completion of the Property.

4.7  You must maintain the Property internally and externally to a reasonable standard until completion of the Property. 

4.8  On completion on the Property, you must ensure:

(a)   the Property (including the garden, loft and outbuildings (if applicable)) is clean and tidy;

(b)   all of your personal belongings have been removed from the Propery; 

(c)   the Agreed F&F remain at the Property;

(d)   provide full vacant possession of the Property.

4.9  On the day of completion of the Property, you will only receive the keys to the Plot when: (a) the property purchase agreement has been completed and (b) you have left the keys for the Property (as set out in the Property Inspection Form) with our estate agent or ourselves, along with any alarm codes. We will tell you prior to completion who to hand the keys to. If you fail to return the keys to the Property, we will appoint a locksmith to replace locks at the Property, the cost of which you will be responsible for.

4.10        You will be responsible for all service company invoices up to and including the day of completion of the Property. Please ensure you take final meter readings on the day of completion so the final bills can be forwarded on to you for settlement. We will not be responsible for any bills or invoices relating to the period up to and including the completion date.

4.11        If you fail to comply with any of your obligations in this paragraph 4, we may withdraw the Offer or we may agree to an amendment to the Offer with you.

Assisted Move Terms and Conditions

1. These assisted move terms and conditions and the General Terms apply to your Application for the assisted move offer. Assisted move is where you wish to purchase a property from us but have an existing property which you need to sell first and you would like our assistance with the sale of your existing property.

2. Once we confirm acceptance of your Application in writing:

(a)   we will assist with the sale of your existing property ("Property") by appointing an estate agent to conduct a valuation of your Property ("Valuation") and to market and sell your Property;

(b)   you agree not to market and sell, or to instruct another estate agent to market and sell, your Property unless and until the Reservation Agreement expires or is cancelled; and

(c)   you must cancel your arrangements with all estate agents in relation to your Property and any estate agents’ fees that are incurred will be your responsibility. We will not be responsible for paying such fees.

3. You must co-operate with our estate agent including by providing our estate agent with access to your Property for the purposes of conducting a Valuation and marketing and selling your Property.

4. You agree you will have no control over which estate agent we instruct, or the terms of that appointment. 

5. Provided you purchase a HarperCrewe property ("Plot"), we will pay our estate agent’s fees up to a maximum of 1.5% of the purchase price of the Plot for marketing and selling your Property. If the estate agent's fees exceed 1.5% of the purchase price of the Plot ("Excess"), you will be responsible for paying the Excess. If you do not purchase the Plot, you will be responsible for paying the estate agent's fees in full.

6. If the Reservation Agreement expires or is cancelled and you sell your Property to any individual introduced to you by our estate agent during the period that the estate agent was appointed by us in relation to your Property, you will be responsible for paying any fees required by our estate agent in relation to the sale of the Property.

7. Following confirmation of the Valuation by our estate agent, our estate agent will agree a selling price for the Property with you. 

8. Our estate agent will market your Property for sale for a minimum of 4 weeks once we have confirmed the selling price of the Property to the estate agent. If a sale of the Property is not agreed within this timeframe, we may withdraw your Offer and, after the expiry of your Reservation Agreement (if you have chosen to enter into one), commence remarketing of the Plot. If we cancel your Reservation Agreement: (a) we will instruct our estate agents to stop marketing and selling your Property, (b) you will be entitled to market and sell, or to instruct another estate agent to market and sell, your Property and (c) once your reservation of the Plot has expired, the Plot will be made available for reservation and/or purchase by another person.

9. You must instruct a solicitor to act on your behalf upon in relation to the sale of the Property.

Save to Buy Terms and Conditions

1. These save to buy terms and conditions and the General Terms apply to your Application for the save to buy offer. Save to buy allows you to exchange contracts for the HarperCrewe property you wish to purchase ("Plot") by paying a 2.5% deposit. Once contracts are exchanged, you can live in the Plot and must pay a fixed monthly charge. Once the total fixed monthly charges you have paid amounts to a further 2.5% deposit, you can complete your purchase of the Plot.

2. This Offer will require you to have a 2.5% deposit with the remaining 2.5% to be saved in readiness for completion. 

3. You will be fully qualified, and DIP produced. Every DIP will need to be approved by us with additional questions satisfied around time in job, relationship situation and geography. 

4. This Offer can only be used via one broker and Halifax.

5. Proof of accounts demonstrating your 2.5% deposit is in place and your ability to save the remaining 2.5% will be required to enable completion to take place in the required/agreed timeframe and the Halifax mortgage offer. 

6. The mortgage application would be submitted once you have signed the reservation agreement. 

7. The mortgage offer would be in place for exchange of contracts with a clause to demonstrate the remaining 2.5% would be in place for legal completion (as per paragraph 4 above).

8. Non cash incentives can be used where required. These will only be used at our discretion and not advertised. 

9. Cash incentives will need approval from Halifax. These will only be used at our discretion and not advertised. 

10. 2.5% would be accepted as the exchange deposit and held in an interest bearing Escrow account by our solicitors. 

11. The monthly savings would be sent to our solicitors via a standing order and [GWLG1] the amount would be agreed as part of the reservation agreement.  The money would be held with our solicitors until 5% is achieved in readiness for legal completion to take place.

12. We  can elect (in our discretion) to forego future instalments of the payments under paragraph 11 above and require completion on 20 Working Days notice, at the price that reflects the 97.5% plus all payments due under paragraph 11 above.

13. Monthly savings would be sent to us and held with us/our solicitor until completion.

14. If a payment is missed we could terminate the contract. 

15. Failure to complete due to a serious change in circumstance i.e death or loss of job for example. This would need to be clarified on a new credit score/check.  

16. If you failed to save the required amount in time and there was a shortfall we would assess on a case by case basis.

17. In all cases (points 13,14, 15 [GWLG2]  and 16) your 2.5% deposit and savings to date would be refunded but your Reservation Fee would be retained by us. 

18. If you changed their mind and no longer wanted to proceed we would retain the 2.5% exchange deposit and the Reservation Fee. Any savings to date would be refunded to you. 

19. Purchase price would be agreed at outset. 

20. Plots on offer to be determined and agreed with our CEO prior to release. 

 

Rent to Buy Terms and Conditions

1. These rent to buy terms and conditions and the General Terms apply to your Application for the rent to buy offer. Rent our property for 6 months and use the rent as your savings plan to achieve 5% deposit. 

2. This Offer will require you to have a 2.5% deposit saved with the remaining 2.5% to be saved in readiness for legal completion. 

3. You will be fully qualified, and DIP produced. Every DIP will need to be approved by us with additional questions satisfied around time in job, relationship situation and geography.

4. This Offer can only be used via one broker and Halifax.

5. Proof of accounts demonstrating your 2.5% deposit is in place and your ability to save the remaining 2.5% for completion, within our required 6 month timeframe.

6. Non cash incentives can be used where required. These will only be used at our discretion and not advertised.

7. Cash incentives will need approval from Halifax. These will only be used at our discretion and not advertised.

8. The monthly rent/savings would be sent to our solicitors  via a standing order and the amount would be agreed as part of the Reservation Agreement.  The money would be held with our solicitors  for up to 12 months until 5% is achieved, at this point in time the mortgage application would be submitted and enable completion to take place. 

9. Monthly rent/savings will be calculated based on the individual circumstances and the ALCD of the plot. This is the remaining 2.5% divided by 6 months. A ‘longstop date’ of up to 12 months would also be agreed.

10. We can elect (in our discretion) to forego future instalments of the payments under paragraph 8) above and require completion on 20 Working Days notice, at the price that reflects the 97.5% plus all payments due under paragraph 9 above.

11. If a payment is missed we could terminate the contract.

12. Failure to complete due to a serious change in circumstance i.e death or loss of job for example. This would need to be clarified on a new credit score/check.

13. If you changed your mind and no longer wanted to proceed.

14. In all cases (points 10, 11 and 12) your 2.5% deposit would be refunded but your Reservation Fee and any rent paid would be retained by us.

15. Purchase price would be agreed at the outset.

16. We would expect you to enter into an Assured Shorthold Tenancy Agreement.

17. Plots on offer to be determined and agreed with our CEO prior to release. 
 

Key-workers and armed forces – Deposit Unlock Terms and Conditions

1.     This Offer is only available to selected key workers and members of the armed forces.

2.     If you have applied and we have confirmed that you are eligible to apply for this offer (noting that we will require you to provide proof of your employment), these deposit unlock contribution terms and conditions and the General Terms will apply to your Application for the deposit unlock offer.

3.     Deposit unlock is where we pay to you a one-off sum towards the deposit payment for the property you wish to purchase ("Plot").

4.     If we accept your Application, we will pay to you a one-off sum ("Deposit Unlock Contribution") as a contribution towards your deposit payment for the Plot by deducting the Deposit Unlock Contribution from your completion statement. 

5.     You should inform your mortgage adviser (if applicable) if you participate in this Offer so they can advise whether participating in this Offer could impact on your mortgage offer. For example, this Offer may not be accepted by some mortgage lenders or may lead to refusal to provide a mortgage.

6.     The Deposit Unlock Contribution is per Plot and not per named purchaser. 

Mortgage Subsidy Terms and Conditions

We specifically draw your attention to paragraph 4 of these terms and conditions.

1. These mortgage subsidy terms and conditions and the General Terms apply to your Application for the mortgage subsidy offer. Mortgage subsidy is where we pay to you a one-off sum which you can use to reduce your mortgage payments or towards the property you wish to purchase ("Plot"). 

2. If we accept your Application, we will pay to you a one-off sum ("Contribution") by deducting the Contribution from your completion statement. 

3. Our expectation is that you will use the Contribution to reduce your mortgage payments or towards the Plot, for example, purchasing furniture for the Plot and that you will not use the Contribution for any other purpose.

4. If you have taken out a mortgage to purchase the Plot, it is your responsibility to pay your monthly mortgage payments. Your home may be repossessed if you do not keep up with repayments on a mortgage or any other debt secured on it. 

5. You should inform your mortgage adviser (if applicable) if you participate in this Offer so they can advise whether participating in this Offer could impact on your mortgage offer. For example, this Offer may not be accepted by some mortgage lenders or may lead to refusal to provide a mortgage.

6. The Contribution is per Plot and not per named purchaser. 

7. If there is more than one individual purchasing a Plot, we will not be liable for ensuring each individual receives their proportionate share of the Contribution.

Deposit Contribution Terms and Conditions

1. These deposit contribution terms and conditions and the General Terms apply to your Application for the deposit contribution offer. Deposit contribution is where we pay to you a one-off sum towards the deposit payment for the property you wish to purchase ("Plot").

2. If we accept your Application, we will pay to you a one-off sum ("Deposit Contribution") as a contribution towards your deposit payment for the Plot by deducting the Deposit Contribution from your completion statement. 

3. This Offer only applies if you pay a deposit of between 10% and 15% of the purchase price of the Plot. 

4. The Deposit Contribution will be equal to the difference between the deposit that you have paid and 15% of the purchase price of the Plot. If you have paid a deposit of 15% of the purchase price of the Plot, you will not be entitled to receive a Deposit Contribution. 

5. You should inform your mortgage adviser (if applicable) if you participate in this Offer so they can advise whether participating in this Offer could impact on your mortgage offer. For example, this Offer may not be accepted by some mortgage lenders or may lead to refusal to provide a mortgage.

5. The Deposit Contribution is per Plot and not per named purchaser. 

Stamp Duty Contribution Terms and Conditions

1. These stamp duty contribution terms and conditions and the General Terms apply to your Application for the stamp duty contribution offer. Stamp duty contribution is where we pay to you a one-off sum towards the stamp duty payment for the property you wish to purchase ("Plot").

2. If we accept your Application, we will pay to you a one-off sum ("Stamp Duty Contribution") as a contribution towards your stamp duty payment for the Plot by deducting the Stamp Duty Contribution from your completion statement.

3. The amount of the Stamp Duty Contribution will be agreed with you prior to you entering into a Reservation Agreement.

4. You should inform your mortgage adviser (if applicable) if you participate in this Offer so they can advise whether participating in this Offer could impact on your mortgage offer. For example, this Offer may not be accepted by some mortgage lenders or may lead to refusal to provide a mortgage.

5. The Stamp Duty Contribution is per Plot and not per named purchaser. 

Save to Buy Terms and Conditions

1. These save to buy terms and conditions and the General Terms apply to your Application for the save to buy offer. If we determine that you are eligible for the save to buy offer, it allows you to exchange legally binding contracts for the purchase of a HarperCrewe property ("Plot") with a 2.5% deposit. If you have saved a further 2.5% deposit within the agreed time period following exchange, you will be then able to complete your purchase of the Plot and you will be entitled to live at the Plot following completion.

2. Once you have submitted your Application to us, we will review your Application and confirm to you in writing whether or not you are eligible for the save to buy offer.

3. If we confirm you are not eligible for the save to buy offer, you will not be entitled to take part in this offer. If you still wish to purchase the Plot, you will need to pay a deposit and, in due course, the remainder of the purchase price of the Plot, in full as specified and explained in the property purchase agreement you will need to enter into with us. You will need to determine whether you want to proceed on that basis.

4. If we confirm you are eligible for the save to buy offer, this does not mean you are entitled to take part in this offer. You will only be entitled to take part in the save to buyer offer if we confirm in writing that your Application is accepted.

5. If we confirm that you are eligible for the save to buy offer, you will need to:

(a)   ensure you can pay a deposit of 5% the purchase price of the Plot in two instalments of 2.5% each. The purchase price of the Plot will be specified in the Reservation Agreement. The first instalment (2.5% of the purchase price of the Plot) will be payable on exchange of contracts ("Exchange Deposit"). The second instalment (2.5% of the purchase price of the Plot) will be payable on completion ("Completion Deposit");

(b)   provide a copy of your bank account statements to evidence that you will be in a position to pay the Exchange Deposit on exchange of contracts;

(c)   provide a decision in principle from your bank or building society to confirm you will be in a position to pay the Completion Deposit; and

(d)   provide to us a copy of your mortgage offer.

6. Once you provide the documentation listed at paragraphs 5(b), (c) and (d) above, we will confirm to you in writing whether your Application is rejected or accepted.

7.  If we reject your Application, you will not be entitled to take part in the save to buy offer. If you still wish to purchase the Plot, you will need to pay a deposit and in due course, the remainder of the purchase price of the Plot, in full as specified and explained in the property purchase agreement you will need to enter into with us. You will need to determine whether you want to proceed on that basis.

8. If we accept your Application and you wish to take part in the offer, you need to exchange contracts for the Plot and pay the Exchange Deposit directly to our solicitor and you will need to ensure that you have saved the Completion Deposit within 6 months of exchange of contracts. The Exchange Deposit will be deducted from the total purchase price of the Plot on completion.

9. Provided that you have exchanged contracts for the Plot, paid the Exchange Deposit and saved the Completion Deposit within 6 months of exchange of contracts, you will be entitled to complete on the purchase of the Plot. The Exchange Deposit and the Completion Deposit will be deducted from the total purchase price of the Plot on completion. Once completed, you will own the Plot.

10. If you fail to save the Completion Deposit within 6 months of exchange of contracts, we will determine (in our sole discretion) whether you are permitted to complete on the purchase of the Plot. If we determine that you are not entitled to complete on the purchase of the Plot, we will provide a full refund of the Exchange Deposit.

11. You must notify us immediately if there are any changes in your circumstances which may affect your ability to pay the Exchange Deposit and Completion Deposit. For example, if you become unemployed.

Rent to Buy Terms and Conditions

1. These rent to buy terms and conditions and the General Terms apply to your Application for the rent to buy offer. Rent to buy allows you to rent and move in to a HarperCrewe property ("Plot") before buying it by entering into a tenancy agreement with us ("Tenancy Agreement") and paying a deposit of 2.5% of the purchase price of the Plot ("Initial Deposit"). You will need to pay a rental charge each month in the amount specified in the Tenancy Agreement ("Rental Charges"). Once the total Rental Charges paid amount to 2.5% of the purchase price of the Plot, such sums, as well as the Initial Deposit, can be treated and used as a deposit to purchase the Plot. The purchase price of the Plot will be set out in the Reservation Agreement.

2. Once you have submitted your Application to us, we will review your Application and confirm to you in writing whether or not you are eligible for the rent to buy offer.

3. If we confirm you are not eligible for the rent to buy offer, you will not be entitled to take part in this offer. If you still wish to purchase the Plot, you will need to pay a deposit and, in due course, the remainder of the purchase price of the Plot, in full as specified and explained in the property purchase agreement you will need to enter into with us. You will need to determine whether you want to proceed on that basis.

4. If we confirm you are eligible for the rent to buy offer, this does not mean you are entitled to take part in this offer. You will only be entitled to take part in the rent to buyer offer if we confirm in writing that your Application is accepted. 

5. If we confirm that you are eligible for the rent to buy offer, you will need to provide all documents that we require (including a copy of your bank account statements) to confirm you will be in a position to pay the Initial Deposit, Rental Charges and any stamp duty that is due and payable as a result of you living in the Plot before you have purchased it.

6. Once you provide the documentation referred to at paragraph 5 above, we will confirm to you in writing whether your Application is rejected or accepted.

7.  If we reject your Application, you will not be entitled to take part in the rent to buy offer. If you still wish to purchase the Plot, you will need to pay a deposit and, in due course, the remainder of the purchase price of the Plot, in full as specified and explained in the property purchase agreement you will need to enter into with us. You will need to determine whether you want to proceed on that basis.

8. If we accept your Application and you wish to take part in the offer, you need to:

(a)   enter into a Tenancy Agreement with us to rent the Plot and pay the Initial Deposit directly to our solicitor;

(b)   pay the Rental Charges directly to our solicitor each month that they fall due; and

(c)   ensure that you pay any stamp duty that you are required to pay as a result of the offer and/or purchase of the Plot.

9. We will confirm to you in writing once the total Rental Charges paid amount to 2.5% of the purchase price of the Plot.

10. Provided that you have: (a) entered into a Tenancy Agreement with us, (b) paid the Initial Deposit, (c) not missed Rental Charges for more than one month and (d) provided us with a copy of your mortgage offer, you will be entitled to purchase the Plot.

11. A deposit of 5% of the purchase price of the Plot is payable on exchange of contracts ("Exchange Deposit"). The Initial Deposit and Rental Charges can be treated and used as the Exchange Deposit to purchase the Plot. The Exchange Deposit will be deducted from the total purchase price of the Plot on completion. Once completed, you will own the Plot.

12. You must notify us immediately if there are any changes in your circumstances which may affect your ability to pay the Initial Deposit or Rental Charges. For example, if you become unemployed.

13. If you fail to pay Rental Charges for more than one month, we will terminate your Tenancy Agreement and you will not be entitled to take part in the offer. We will not refund any Rental Charges paid.

14. On termination of the Tenancy Agreement, you must:

(a) ensure the Plot (including the garden, loft and outbuildings (if applicable)) is clean and tidy;

(b) ensure all of your personal belongings have been removed from the Plot;

(c) provide full vacant possession of the Plot; and

(d) repair (or pay for the repair of) any damage to the Plot caused by you or your visitors.

15. If you decide that you do not wish to proceed with your purchase of the Plot, you will not be entitled to a refund for the Rental Charges.

Recommend a Friend Terms and Conditions

The voucher must be fully completed and handed to our Sales Negotiator at the time of reservation at the development where your family or friend wishes to purchase their new HarperCrewe home. The form must be signed by all parties (referrer, the person/people referred and the Sales Negotiator). Only one Reward voucher can be used per home purchase and the payment of £1,000 to the referrer becomes payable on legal completion of the purchase of the new HarperCrewe home taking place, please allow 4 weeks after the legal completion date for payment. The £1,000 to the referee will be listed on their reservation agreement and will be deducted from any funds due on legal completion of the purchase of the new HarperCrewe home taking place. The £1,000 to the referrer is not exempt from income tax or any other tax. The recipient of such fee is responsible for the declaring and paying of any tax that may be due. The HarperCrewe Reward incentive cannot be used in conjunction with any other incentive scheme. Harper Crewe reserves the right to withdraw the HarperCrewe Reward incentive at any time. Promoter: HarperCrewe Ltd. Gallagher House, Gallagher Way. Heathcote, Warwick. CV34 6AF.

Part 3 – CGI Image Disclaimer 

We specifically draw your attention to paragraph 6 (Legal Disclaimer).

1. Purpose of CGI Image

1.1. CGI (Computer-Generated Imagery) images are sometimes used by HarperCrewe Limited ("HarperCrewe") to provide an artist’s impression of the new build homes, interiors, landscaping, and communal areas.

1.2. Where used, the CGI images are intended for illustrative purposes only, are indicative for guidance purposes only and are not exact representations of the final product.

2. Accuracy of CGI Images

2.1. Whilst HarperCrewe makes every effort to ensure that CGI images reflect the intended design and specifications, the final appearance, materials, fixtures, and fittings may vary so they should not be relied upon.

2.2. CGI images may include features, furnishings, and decorations that are not included in the standard specification of the new build home, such as enhanced landscaping, lighting, or furniture. Any measurements, such as floor plan measurements. Shown will be indicative for guidance only. 

3. Variations and Changes

3.1. HarperCrewe reserves the right to make changes to the design, layout, and finishes of the property at any time during the construction process.

3.2. HarperCrewe may need to made adjustments to its designs including to property boundaries, floor plans and furnishings as design and construction progresses. HarperCrewe will confirm details of such aspects if you choose to enter into a reservation agreement and/or sales contract with HarperCrewe. 

3.3. Final finishes, materials, and specifications will be confirmed in the sales contract and are subject to the availability of materials, planning consent, and construction requirements. 

3.4. HarperCrewe may need to made adjustments to its designs including to property boundaries, floor plans and furnishings as design and construction progresses. HarperCrewe will confirm details of such aspects if you choose to enter into a reservation agreement and/or sales contract with HarperCrewe.

4. Interior and Exterior Features

4.1. CGI images of interiors may depict furnishings, light fittings, appliances, and other décor that are not included in the purchase of the property. You should refer to the specification sheet provided after you have reserved the property for details of what is included (noting that this may change and will not become binding until you enter into a sales contract with HarperCrewe).

4.2. Exterior CGI images may show landscaping, plant growth, and communal areas in a mature state. Actual landscaping may take time to establish, and the final appearance may differ. 

4.3 Maximum dimensions may including sloping ceilings, pillars, window bays, fitted wardrobes and other features. CGI images should not therefore be relied upon for the purposes of purchasing items such as furniture or carpets. 

5. Floor Plans and Room Sizes

5.1. Any floor plans shown alongside CGI images are intended to provide a general layout of the property. Dimensions are approximate and subject to change during construction.

5.2. You are advised to rely on accurate measurements provided in the final contract documents rather than CGI representations.

6. Legal Disclaimer

6.1. HarperCrewe provides CGI images in good faith and strives to ensure they are as accurate as possible; however, they are not legally binding representations of the final product.

6.2. HarperCrewe accepts no liability for differences between the CGI images and the actual property as constructed. This does not include liability which cannot be excluded caveats.

7. Marketing and Sales Materials

7.1. All CGI images, brochures, and other marketing materials are produced for the promotion of the development and should not be relied upon as a precise description of any specific property within the development.

7.2. HarperCrewe will use reasonable efforts to inform you of material adjustments impacting your decision to reserve and/or purchase a property but reserves the right to update or amend CGI images and marketing materials without prior notice.

8. Viewing the Property

8.1. You are encouraged to visit the site and view the show homes where available to gain a realistic impression of the final product.

8.2. HarperCrewe may also provide samples of finishes and materials that are intended to be used in the construction of the property. Again, these are provided for illustrative and indicative purposes only. 

9. General

9.1 We may transfer our rights under these terms and conditions to another organisation within our group or ask another organisation within our group to fulfil any of our obligations under these terms and conditions. We will tell you in writing if this happens and we will ensure that the transfer or fulfilment does not affect your rights.

9.2 You may only transfer your rights under these terms and conditions to another person if we agree to this in writing.

9.3 Only you and we have rights under these terms and conditions. No other person, company or organisation shall have any rights under these terms and conditions.

9.4 These terms and conditions do not affect your statutory rights.

9.5 These terms and conditions are governed by English Law. 

9.6 Although you are encouraged to follow our complaints policy, you may bring legal proceedings in the English courts if you feel you have grounds to do so. 



Part 4 – Own New

We specifically draw your attention to paragraph 8.

1. Own New is a scheme which is administered by Market Mortgage Limited. It is available on selected new build homes and it is intended to help eligible customers finance the purchase of their new build home at a reduced interest rate and/or with lower deposit.

2. HarperCrewe has agreed to tell certain customers who have expressed an interest in purchasing one of their new build homes about this scheme. If this applies, HarperCrewe may provide you with a letter which tells you what you can do next if you are interested in learning more about Own New.

3. You are not obliged to take the steps specified in that letter and you will need to decide whether to discuss Own New with your mortgage broker and/or with one of the UK residential mortgage lenders that have independently agreed to be part of this scheme. 

4. Your mortgage lender (and, if applicable, your mortgage broker) will be responsible for explaining this scheme to you and for determining whether you meet any eligibility criteria which applies. Mortgage offers will be made at the mortgage lender's discretion and HarperCrewe's provision to you of any information about this scheme in no way guarantees a mortgage offer.

5. HarperCrewe is not regulated by the FCA and cannot offer you mortgage advice. You are advised to seek independent advice to understand the implications of accepting any mortgage offer and/or participating in the Own New scheme.

6. HarperCrewe takes no responsibility for any advice given and/or action taken by Market Mortgage Limited, any mortgage provider or any mortgage broker in respect of the Own New scheme. 

7. If you do decide to use the Own New scheme, HarperCrewe will pay a cash payment, after completion of your purchase of a HarperCrewe home, to Market Mortgage Limited which will be passed on to your mortgage lender. 

8. Your home may be repossessed if you do not keep up with repayments on a mortgage or any other debt secured on it.

*Incentives are plot specific and subject to eligibility criteria. See full terms and conditions at www.harpercrewe.com/terms-and-conditions