TERMS OF WEBSITE USE
This page (together with the documents referred to on it) tells you the terms of use on which you may make use of our websites www.gladedale.com, www.betthomes.com, www.benbaileyhomes.com and www.candmhomes.com (our sites), whether as a guest or a registered user. Please read these terms of use carefully before you start to use the sites. By using our sites, you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using our sites.
INFORMATION ABOUT US
Our sites are operated by Gladedale Group Holdings Limited ("We"). We are registered in England and Wales under company number 06986776 and have our registered office at Ashley House, Ashley Road, Epsom, Surrey KT18 5AZ. Our main trading addresses are Ashley House Ashley Road Epsom Surrey KT18 5AZ and Regency House, Crossgates Road, Dunfermline, Fife KY11 7EG.
ACCESSING OUR SITES
Access to our sites is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our sites without notice (see below). We will not be liable if for any reason our sites is unavailable at any time or for any period.
From time to time, we may restrict access to some parts of our sites, or our entire sites, to users who have registered with us.
If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these terms of use.
You are responsible for making all arrangements necessary for you to have access to our sites. You are also responsible for ensuring that all persons who access our sites through your internet connection are aware of these terms, and that they comply with them.
INTELLECTUAL PROPERTY RIGHTS
We are the owner or the licensee of all intellectual property rights in our sites, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
You may print off one copy, and may download extracts, of any page(s) from our sites for your personal reference and you may draw the attention of others within your organisation to material posted on our sites. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
Our status (and that of any identified contributors) as the authors of material on our sites must always be acknowledged. You must not use any part of the materials on our sites for commercial purposes without obtaining a licence to do so from us or our licensors.
If you print off, copy or download any part of our sites in breach of these terms of use, your right to use our sites will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
IMAGERY
Exterior and interior images, photographs and CGIs used on this website are representative only; please ask sales advisor for full details.
RELIANCE ON INFORMATION POSTED
Commentary and other materials posted on our sites are not intended to amount to advice on which reliance should be placed for a specific purpose, including but not limited to entry into any contract with Gladedale Group Holdings Limited or any of its group companies or any third party. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our sites, or by anyone who may be informed of any of its contents. This extends to without limitation any errors, inaccuracies, omissions or misleading statements on our Sites.
OUR SITES CHANGES REGULARLY
We aim to update our sites regularly, and may change the content at any time. If the need arises, we may suspend access to our sites, or close it indefinitely. Any of the material on our sites may be out of date at any given time, and we are under no obligation to update such material.
OUR LIABILITY
The material displayed on our sites is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:
All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.
Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our sites or in connection with the use, inability to use, or results of the use of our sites, any websites linked to it and any materials posted on it, including, without limitation any liability for:
- loss of income or revenue;
- loss of business;
- loss of profits or contracts;
- loss of anticipated savings;
- loss of data;
- loss of goodwill;
- wasted management or office time;
and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above.
This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.
INFORMATION ABOUT YOU AND YOUR VISITS TO OUR SITES
We process information about you in accordance with our privacy policy. By using our sites, you consent to such processing and you warrant that all data provided by you is accurate.
VIRUSES, HACKING AND OTHER OFFENCES
You must not misuse our sites by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our sites, the server on which our sites is stored or any server, computer or database connected to our sites. You must not attack our sites via a denial-of-service attack or a distributed denial-of service attack.
By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our sites will cease immediately.
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our sites or to your downloading of any material posted on it, or on any websites linked to it.
LINKING TO OUR SITES
No links may be made to this website by any person without Gladedale Group Holdings Limited prior written consent.
LINKS FROM OUR SITES
Where our sites contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sitess or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.
PARTICULARS
Prices and availability updated monthly please check with the sales advisor at the development for current prices and availability.
Please note that we have endeavoured to portray a reasonable account of the properties we are planning to build. Circumstances may force us to change certain issues and therefore we would advise you to carefully discuss all issues with your sales executive at each stage of the process. All facts and photographs used in our marketing literature are intended to reasonable convey the lifestyle offered our homes. Each home may differ in external finish and appearance and elevational issues may differ from those photographed or illustrated. Floor plans are as accurate as can be at time of printing but please be aware that individual construction may result in a slight variance. Please also note that the interior design, furnishings and some fittings and finishings that make up our showhome are not part of our standard specification. These particulars do not form part of a contract or warranty.
JURISDICTION AND APPLICABLE LAW
The English courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to our sites .
These terms of use and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.
TRADE MARKS are UK registered trade marks of Gladedale Holdings Limited
VARIATIONS
We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our sites.
YOUR CONCERNS
If you have any concerns about material which appears on our sites, please contact info@gladedale.com.
Thank you for visiting our sites.
TERMS AND CONDITIONS - SHARED EQUITY
Who can benefit from Shared Equity?
This package only applies to true first time buyers (i.e. those who have not owned a property before) and is available on selected plots and developments. Please ask your sales advisor for details.
The company endeavours to sell all of its properties to those clients whom it considers to be in the best position to proceed to contract at the time of a plot’s release.
The benefits of the Shared Equity scheme are subject to you choosing from a panel of 3 or more recommended solicitors and independent mortgage advisors. From experience, this will create a smooth and speedy transaction for the mutual benefit of both yourself and the company.
How will Shared Equity work for you?
Pay your reservation fee in accordance with the terms and conditions detailed in your reservation form.
As detailed in the reservation form, your reservation period is 4 weeks, during which time you must obtain your mortgage offer and exchange contracts unconditionally.
The company reserves the right to cancel the reservation at any time if, in their opinion, all reasonable steps have not been taken to fulfil the conditions of the reservation within the specified time.
If, as the customer, you cancel the reservation (regardless of the reason), you will be responsible for paying any abortive costs associated with solicitor’s and survey fees. Reservation fees are subject to and in accordance with the terms and conditions on the reservation form.
Frequently Asked Questions:
Q) What is Shared Equity?
A) With the Shared Equity scheme, you pay 85% of the purchase price, while we take a second charge on the remaining 15%. The outstanding 15% becomes an interest-free loan, which must be paid back upon you selling the property or upon you having owned the property for 10 years. Hence, you only pay 85% of the purchase price on the property. You get to own 100% of the property and are responsible for 100% of all land burdens, building insurance, etc.
Q) What is the repayment amount at 10 years?
A) The repayment amount is based on 15% of the open market value at that time.
Q) How is this figured arrived at?
A) An independent valuer will be instructed to give an open market value, and repayment is based on 15% of this figure. The cost of any improvements made by you since purchase will be deducted from the valuation figure.
Q) If I sell my property within the 10 year period, how much do I pay back to you?
A) You will pay back 15% of the sale price, in accordance with the information detailed above.
Q) What if the resale price falls below the purchase price?
A) The share repayment will still be based on 15% of the sale price.
Example:
If purchase price = £120,000, then loan = £96,000 + £18,000 interest-free loan.
If the selling price is above the purchase price, e.g. £140,000, then the loan = £96,000 and you will pay The Company £21,000 (15% of £140,000).
If the selling price is below the purchase price, e.g. £110,000, then the loan =£96,000 and you will pay The Company £16,500 (15% of £110,000).
Q) How do you The Company keep control of the 15% share?
A) The developer will take a second charge on the property for the outstanding/remaining 15%.
Q) Must I use one of your panel-approved mortgage brokers to qualify for this scheme?
A) Yes. To qualify for this service you must use one of our panel-approved mortgage brokers.
Q) Do I need a deposit?
A) Yes. You will require a 5% deposit.
Q) Can I pay back part of the 15%?
A) Yes, as long as the repayment installment is equal to more that ¼ of the outstanding 15% interest-free loan. This will be based on the overall independent valuation at that time.
Q) If I decide to purchase, what am I required to do?
A) You are required to complete a reservation form. The contract pertaining to the purchase, along with
a separate deed concerning the shared purchase scheme, will be sent from our solicitor directly to your nominated solicitor. This should occur within 14 to 21 days.
Q) Does this affect my mortgage?
A) Your mortgage on this purchase is separate and is between you and your lender. Certain transactions/changes that you may wish to make on your mortgage may require our consent as second charge holders, e.g. further advance, change in title, etc.
TERMS AND CONDITIONS - PART EXCHANGE
What are the benefits of Part Exchange?
The benefits of Part Exchange and its accompanying terms and conditions work in conjunction with the scheme reservation form and its respective terms and conditions.
The company endeavours to sell all of its properties to those clients whom it considers to be in the best position to proceed to contract at the time of the plot’s release.
This scheme is limited to selected developments and particular plots. The sales advisor at each development has full knowledge of when and where we can discuss this option with you.
To qualify for Part Exchange, your current home must meet the following criteria:
- Its value should not be more than 70% of the value of your new home.
- It must not be an apartment.
- If the property is ex-local authority, there must be evidence of resales in the area.
- It must be located within a reasonable distance of one of our existing developments.
- It must be in good order and require no major maintenance or repair.
- All necessary consents for alterations or extensions must be available for inspection, including any required for the installation of replacement windows, even if the work was carried out by a previous owner.
If you reserve a plot with a Part Exchange option and you decide to take advantage of the scheme, your sales advisors will ask you for information on your present home. This information will then be passed to The Company who will instruct independent valuations. These valuations are based on achieving a sale within 12 weeks. Our coordinator will then telephone you to make an offer on the basis of these valuations.
The offer is dependent on a satisfactory full survey and may be subject to the coordinator visiting your property. If required, this will be communicated by the Part Exchange Coordinator. We do reserve the right not to place an offer for a part exchange property.
The benefits of the Part Exchange scheme are subject to you choosing from a panel of 3 or more recommended solicitors and independent mortgage advisors. From experience, this will create a smooth and speedy transaction for the mutual benefit of both yourself and the company.
How will Part Exchange work for you?
Pay your reservation fee in accordance with the terms and conditions detailed in your reservation form.
As detailed in the reservation form, your reservation period is 4 weeks, during which time you must obtain your mortgage offer and exchange contracts unconditionally.
If you accept the offer, The Company will place your property on the market. In the meantime, you should instruct your solicitor to deal with the legal documentation regarding your sale and purchase. Our appointed selling agents will contact you to arrange mutually convenient viewing times for prospective buyers.
You will then move into your new home on a pre-arranged day.
An amount of £500 will be retained to ensure that the part exchange property is left in a fit and tidy state. After a satisfying inspection, these funds will be released.
If, as the customer, you cancel the reservation (regardless of the reason), you will be responsible for paying any abortive costs associated with solicitor’s and survey fees. Reservation fees are subject to and in accordance with the terms and conditions on the reservation form.
This offer is available on selected plots at selected developments only. To find out if this scheme is available, please contact the sales advisor at your development.
TERMS AND CONDITIONS - SAFETY NET PART EXCHANGE
What are the benefits?
The benefits of Safety Net Part Exchange (and its accompanying terms and conditions) work in conjunction with the scheme reservation form and its respective terms and conditions.
The company endeavours to sell all of its properties to those clients whom it considers to be in the best position to proceed to contract at the time of the plot’s release.
This scheme is limited to selected developments and particular plots. The sales advisor at each development has full knowledge of when and where we can discuss this option with you.
The benefits of the Safety Net Part Exchange scheme are subject to you choosing from a panel of 3 or more recommended solicitors and independent mortgage advisors. From experience, this will create a smooth and speedy transaction for the mutual benefit of both yourself and the company.
To qualify for Safety Net Part Exchange, your current home must meet the following criteria:
- Its value should not be more than 70% of the value of your new home.
- It must not be an apartment.
- If the property is ex-local authority, there must be evidence of resales in the area.
- It must be located within a reasonable distance of one of our existing developments.
- It must be in good order and require no major maintenance or repair.
- All necessary consents for alterations or extensions must be available for inspection, including any required for the installation of replacement windows, even if the work was carried out by a previous owner.
If you reserve a plot with a part exchange option and you decide to take advantage of the Safety Net Part Exchange scheme, your sales advisor will ask you for information on your present home. This information will then be passed to the Company who will instruct independent valuations. These valuations are based on achieving a sale within 12 weeks. Our coordinator will then telephone you to make an offer on the basis of these valuations.
The offer is dependent on a satisfactory full survey and may be subject to the coordinator visiting your property. If required, this will be communicated by the Part Exchange Coordinator. We do reserve the right not to place an offer for a part exchange property.
How will Safety Net Part Exchange work for you?
Pay your reservation fee in accordance with the terms and conditions detailed in your reservation form.
As detailed in the reservation form, your reservation period is 6 weeks, during which time you must obtain your mortgage offer and exchange contracts unconditionally.
We will carry out an extensive marketing campaign on your property prior to the completion of your new home, in order to secure an offer from a purchaser who is in a position to proceed. This will allow you to proceed with the sale of you home in the conventional way, without The Company having to exercise the Safety Net Part Exchange. Should your property remain unsold 6 weeks prior to completion of your new home, we will execute the part exchange.
If you accept the offer, we will place your property on the market. In the meantime, you should instruct your solicitor to deal with the legal documentation regarding your sale and purchase. Our appointed selling agents will contact you to arrange mutually convenient viewing times for prospective buyers.
Should we part exchange your home, a £500 amount will be retained to ensure that the part exchange property is left in a fit and tidy state. After a satisfying inspection, these funds will be released.
If, as the customer, you cancel the reservation (regardless of the reason), you will be responsible for paying any abortive costs associated with solicitor’s and survey fees. Reservation fees are subject to and in accordance with the terms and conditions on the reservation form.
This offer is available on selected plots at selected developments only. To find out if this scheme is available, please contact the sales advisor at your development.
TERMS AND CONDITIONS - ACCIDENT, SICKNESS & UNEMPLOYMENT POLICY
(OFFERED BY BETT NORTH EAST)
To be eligable the client must be:
- at least 18 years of age and less than 65 years of age
- must live and work in the UK, the Channel Islands or the Isle of Man (including working for a UK registered company in other European Community countries for not more than 180 days a year)
- must be in full time employment or self employment for the last 6 months
TERMS AND CONDITIONS - EXCLUSIVE FIRST TIME BUYER PRICES
(OFFERED BY BEN BAILEY YORKSHIRE ONLY)
To be eligable for this lowered purchase price the purchaser must be a first time buyer.
