Keep out the winter chill

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					C H O I C E               O P P O R T U N I T Y                       T R U S T

                       WWW.RADIAN.CO.UK // ISSUE 4 AUTUMN/WINTER 2011




Keep
out the
winter chill
and enjoy your home
this Autumn and Winter
For great ways to keep warm
and save money - turn to page 6

                          fe
                Ke ep Sa mn
                       utu
                This A     y
                           awa
                      ving
              We’re gi cka
                    tta
                50 A rsonal
                  Pe arms
                     Al age 6    p
                       Turn to




Save energy and save                 Enjoy the festive          Equity Loan Home Owner?          Meet the Community
money this winter                    period on a budget         Check out the FAQs               Involvement Team


    Also in this issue // RADIAN RESALES SERVICE // ENERGY SAVING TIPS // DATES FOR YOUR DIARY
                                                                                                    SCAN ME WITH YOUR SMARTPHONE




                                                                                                                                   SCAN ME WITH YOUR SMARTPHONE
The Ladder
    THE ULTIMATE GUIDE FOR
    PURCHASING YOUR OWN HOME




                                                                                                                                                                                                                                                                                                                                        HomeBuy Toolkit
ISSUE 4 AUTUMN/WINTER 2011
                                                                                                                                                                                                                                                                                                                                        Communal Area
                                                                                                                                                                                                                                                                                                                                                                                      Armed Forces Home
                                                                                                                                                                                                                                                                  Menu of Involvement                                                   Usually blocks of flats with shared
                                                                                                                                                                                                                                                                                                                                        hallways, stairwells, bin stores,
                                                                                                                                                                                                                                                                                                                                                                                      Ownership Scheme (AFHOS)
                                                                                                                                                                                                                                                                        Want to see how you can get
     Autumn Glow…                                                                                                                                                                                                                                                      involved with Radian and your
                                                                                                                                                                                                                                                                       community? Take a look at the
                                                                                                                                                                                                                                                                                                                                        bicycle sheds, car parks and gardens.
                                                                                                                                                                                                                                                                                                                                        Everything except inside your property!
                                                                                                                                                                                                                                                                                                                                                                                       If you have purchased your property under this scheme, please remember
                                                                                                                                                                                                                                                                                                                                                                                       that it is your responsibility to notify us of any change in your circumstances.
                                                                                                                                                                                                                                                                                                                                                                                       We need to be made aware at least one month beforehand if you decide to:
                                                                                                                                                                                                                                                                                      leaflet included                                  HomeBuy
                                          Welcome to our Autumn/Winter                                                                                                                                                                                                                with this edition                                 Is the current brand name for                  a) Let your property
                                          edition of The Ladder, Radian’s                                                                                                                                                                                                              of The Ladder!                                   the government’s low cost home                 b) You move base and are subsequently more
                                          magazine for shared owners,                                                                                                                                                                                                                                                                   ownership schemes. HomeBuy                        than 50 miles away from your property
                                          leaseholders and equity                                                                                                                                                                                                                                                                       Agents are responsible for managing
                                                                                                                                                                                                                                                                                                                                                                                       c) Wish to carry out any improvements
                                          loan home owners.                                                                                                                                                                                                                                                                             the database of applicants.
                                                                                                                                                                                                                                                                                                                                                                                          or major repairs to your property
                                                                                                                                                                                                                                                                                                                                        Thermostatic Radiator Valves                   d) Wish to take out further borrowing or
                                                                                                                                                                                                                                                                                                                                        TRV for short, they regulate the heat             make other changes to your mortgage
    Christmas is around the corner so                                                                                                                                                                                        for the Homes and Communities                                                                              released by individual radiators.
    this edition is full of tips and ideas                                                                                                                                                                                   Agency as Policy and Strategy                                                                                                                             Please check your ‘Guide to After Sales
    to help you prepare for the festive                                                                                                                                                                                      Manager. Before that Tim had                                                                               Renewable                                      Service’ for all circumstances where you
                                                                                                                                                                                                                                                                                                                                        Energy                                         need to inform us of any changes.
    period ahead!                                                                                                                                                                                                            worked in Radian’s
                                                                                                                                                                                                                             Home Ownership
                                                                                                                                                                                                                                                                  Editorial Team                                                        Energy which
    You’ll find some fun dates for the                                                                                                                                                                                                                                                                                                  comes from natural                             If you have any questions or you need to
                                                                                                                                                                                                                             Team for two years                   Victoria Richards                                                     resources such as                              notify us of a change in circumstances,
    diary on page 4 to give you
                                                                                                                                                                                                                             helping some of                      Post Sales Team Leader                                                sunlight, wind, tides,                         please contact our AFHOS Customer
    inspiration for your own celebrations                                                                                                                                                                                                                                                                                               and geothermal                                 Service Team on 0800 028 1980. I
                                                                                                                                                                                                                             you to purchase
    and some seasonal trivia on page 5.                                                                                                                                                                                                                                                                                                 heat. I
                                                                                                                                                                                                                             a home through                       Jo Slawson
    On a more formal note, we want
                                                                                                                                                                                                                             the equity loan                      Sales and Marketing
    everyone to be safe this winter and
                                                                                                                                                                                                                             schemes.                             Co-ordinator
    page 6 provides some handy hints
    as well as the opportunity to receive                                                                                                                                                                                    I hope you enjoy                     Sally Blackman
    a free Attacka alarm.                                                                                                                                                                                                    this issue and, as always, if our
                                                                                                                                                                                                                             Home Ownership team can help you
                                                                                                                                                                                                                                                                  Post Sales Officer                                                    Shared Owners...
    I would also like to introduce you to
    our New Head of Home Ownership,
    Tim Willcocks. Tim has come back to
                                                                                                                                                                                                                             in any way, please get in touch. I

                                                                                                                                                                                                                             Victoria Richards
                                                                                                                                                                                                                                                                  Lindsay Gray
                                                                                                                                                                                                                                                                  Home Ownership Officer                                                Thinking of selling?
                                                                                                                                                                                                                                                                  for AFHOS scheme
    Radian having spent a year working                                                                                                                                                                                       Post Sales Team Leader                                                                                     If so, Radian provides a Resales Service to
                                                                                                                                                                                                                                                                  Paula Scott                                                           help you sell your home. We will market to
                                                                                                                                                                                                                                                                  Customer Service Advisor                                              applicants on our HomeBuy waiting lists so
                                                                                                                                                                                                                                                                                                                                        that we can ‘recycle’ the scheme and help
                                                                                                                                                                                                                                                                                                                                        others looking for affordable home ownership.
    On the Cover                                                                                                                                                                                                                                                  Post Sales
                                                                                                                                                                                                                                                                  Services including resales, staircasing,
    Helping you to keep warm,                                                                                                                                                                                                                                     loan redemptions, remortgaging,                                       Our marketing includes advertising
                                                                                                                                                                                                                                                                  downward staircasing and further borrowing                            on the Homebuy Agency’s website
    stay safe and remain                                                                                                                                                                                                                                          023 8062 8004                                                         for your area, on the Radian website,
    healthy this winter.                                                                                                                                                                                                                                          postsales@radian.co.uk                                                as well as sending out email and



                                                                                                                                                                                                                                                                                                                                                                                “
                                                                                                                                                                                                                                                                                                                                        postal marketing campaigns
    The latest edition                                                                                                                                                                                                                                            Main Contacts                                                         directly to eligible applicants.
                                                                                                                                                                                                                                                                                                                                                                                    Katie recently sold her apartment in
    of The Ladder                                                                                                                                                                                                                                                 Reporting defects, rents and service                                                                              Windsor using the Radian Resales Service:
                                                                                                                                                                                                                                                                  charges, housing officers and
                                                                              C H

                                                                                                                                                                                                                                                                                                                                        Our fees are much more
                                                                                  O I C
                                                                                        E
                                                                                                                  O P
                                                                                                                      P O


    is packed
                                                                                                                          R T U


                                                                                                                                                                                                                                                                                                                                                                                    My husband and I had a 2 bedroom apartment but we
                                                                                                                                N I T
                                                                                                                                      Y

                                                                                                                                                                                                                                                                  management, all other general enquiries
                                                                                                           WW W.R
                                                                                                                                                                                       T R U

                                                                                                                                                                                                                                                                                                                                        competitive than estate agents!
                                                                                                                     AD IAN
                                                                                                                              .CO .UK
                                                                                                                                         // ISS                                              S T
                                                                                                                                                UE          4 AU
                                                                                                                                                                 TUM
                                                                                                                                                                                     N/W

                       Keep                                                                                                                                                                INT ER




                                                                                                                                                                                                                                                                                                                                                                                    needed more space and wanted to move up the property ladder.
                                                                                                                                                                                                    201 1



                                                                                                                                                                                                                                                                  0300 123 1 567
    with great         out th
                      winte e
                            r chill                                                                                                                                                                                                                               radiandirect@radian.co.uk                                             All of the applicants are financially
                                                      and e
    ideas.                                           this A joy your h
                                                   For gr
                                                         ea
                                                            n
                                                           utum
                                                               n and ome                                                                                                                                                           Can you remember the                                                                                 assessed prior to agreeing a sale           Using the Resales service was fantastic for us and any queries we
                                                                      Winte
                                                  and sa t ways to
                                                          ve mon      keep r
                                                                 ey - tu warm
                                                                        rn to
                                                                              page
                                                                                   6                                                                                                                                               2004 Christmas number          Radian Head Office                                                    and our Post Sales Officers will            had were answered promptly. We’d definitely recommend using the
                                                                                                                                                                                                                                                                  Collins House, Bishopstoke Road                                                                                   service to anyone else who wants to sell their shared ownership home.


                                                                                                                                                                                                                                                                                                                                                                                                                                                                          ”
                                                             Keep Safe
                                                            This Autumn
                                                                We’re giving away
                                                                 50 Attacka
                                                                  Personal
                                                                    Alarms
                                                                      Turn to page 6
                                                                                                                                                                                                                                   one or the the best selling    Eastleigh, Hampshire SO50 6AD
                                                                                                                                                                                                                                                                                                                                        keep you updated of progress
                               Save
                                    ene                                                                                                                                                                                            Christmas gift of 2008?                                                                              throughout the process.
                               money rgy an
                                     this win d save
                                             ter                        Enjoy
                                                                       periodthe festive                                                                                                                                                                          Whilst every effort was made to ensure the information in this
                                                                                                                                                                                                                                                                                                                                                                                    If you are interested in finding out more, visit the Shared Owners Information
                                 Also                                         on a
                                                                                   budg




                                                                                                                                                                                                                                   Check out page 5
                                        in this
                                                  issue                                  et                        Equity
                                                                                                                   Check Loan Home
                                                                                                                                                                                                                                                                  magazine was correct at the time of going to press, the publishers
                                                          // RAD
                                                                 IAN RES
                                                                           ALES                                           out the     Ow
                                                                                  SERVIC
                                                                                           E //                                   FAQs ner?
                                                                                                ENERGY                                                                    Meet
                                                                                                         SAVING                                                          Involv the Comm
                                                                                                                                                                               ement     uni
                                                                                                                                                                                                                                                                  cannot accept legal responsibility for any errors or omissions. The
                                                                                                                                                                                                                                                                                                                                                                                    section on the Radian website or contact our Home Ownership Customer
                                                                                                                  TIPS
                                                                                                                         // DAT
                                                                                                                                ES FOR                                                Team ty
                                                                                                                                         YOU
                                                                                                                                               R DIA
                                                                                                                                                       RY


                                                                                                                                                                                                                                                                  views expressed do not necessarily reflect those of the publisher.
                                                                                                                                                                                 E
                                                                                                                                                                            PHON
                                                                                                                                                                         SMART




                                                                                                                                                                                                                      SCAN
                                                                                                                                                                    YOUR




                                                                                                                                                                                                                                                                                                                                                                                    Service Team on 023 8062 8004 to request a Radian Resale Service leaflet.
                                                                                                                                                                                                                 ME WITH
                                                                                                                                                               ME WITH




                                                                                                                                                                                                            YOUR
                                                                                                                                                             SCAN




                                                                                                                                                                                                         SMART
                                                                                                                                                                                                     PHON
                                                                                                                                                                                                     E




2                                                                                                                                                                                                                                                                                                                                                                                                                                                                         3
The Ladder
    THE ULTIMATE GUIDE FOR
    PURCHASING YOUR OWN HOME




ISSUE 4 AUTUMN/WINTER 2011        Keep Warm                                                                                   Countdown to Christmas
                                  and Cosy this
Dates for                         Autumn/Winter                                                                                          Best ever selling Christmas gifts of the last 10 years
your diary                        Think we might have
                                  another cold, snowy, icy winter?
                                                                                                                                                                2001
                                                                                                                                                                Bratz dolls
                                                                                                                                                                                 2003
                                                                                                                                                                                 Beyblades
                                                                                                                                                                                                     2007
                                                                                                                                                                                                     Apple iPod Touch
29 Oct 2011                       Here are some easy and cost-effective                                                                                         2002             2004                2008
Twilight Zone Fireworks           ways to try and beat the cold:
National Motor Museum, Beaulieu                                                                                                                                 Beyblades        RoboSapiens         Elmo Live toy
beaulieu.co.uk/
beaulieu-events/fireworks         I   Close windows and tuck curtains           I   Invest in a slow cooker from £20 for                                                         2005                2009
                                      behind radiators                              a 6.2 litre cooker and use cheap cuts                                                        Xbox 360            Nook eReader
29 - 30 Oct 2011                                                                                  of meat to make delicious
The Home Show Bristol             I   Get your central heating boiler
                                                                                                   warming casseroles.
                                                                                                                                                                                 2006                2010
thehomeshowbristol.co.uk              serviced before winter arrives
                                                                                                   Throw in loads of veg,                                                        Playstation 3       Apple iPad
16 - 20 Nov 2011                  I   Wear lots of thin layers                                      pulses, pearl barley
The Ideal Home Show                   instead of one bulky layer                                     to thicken and
at Christmas                          - these trap warm air
Earls Court, London                                                                                   dumplings to make
Idealhomeshowchristmas.co.uk      I   Shut doors of rooms you’re not                             a big casserole with
                                      using and turn off the radiators              plenty left over for the freezer
24 Nov 2011                                                                                                                   A fan of X Factor? As a nation, we certainly are!
Thanksgiving Celebration          I   Invest in black-out blinds for Velux
                                      windows - they keep the sun out
                                                                                Don’t forget to look after
                                                                                                                              Here’s the Christmas Number Ones of the last 10 years...
23 - 27 Nov 2011
BBC Good Food Winter Show
                                      in Summer and cold out in Winter
NEC Birmingham
                                                                                your car in the winter too:                   2001                                   2005
                                  I   Try to keep active, don’t stay still
bbcgoodfoodshow.com                   for hours at a time, go and make          I   Top up the anti-freeze                    Robbie Williams & Nicole Kidman        Shayne Ward “That's My Goal”
                                      a drink                                                                                 “Somethin' Stupid”
26 Nov - 4 Dec 2011                                                             I   Keep de-icer and a scraper                                                       2006
National Tree Week                    Give up smoking, your blood                   in the car, and de-icer in the            2002
Staunton Country Park
                                  I                                                                                                                                  Leona Lewis “A Moment Like This”
                                      circulation will improve                      house to unfreeze car locks               Girls Aloud “Sound Of The
02392 453405
                                                                                I   Don’t use boiling water to                Underground”
                                                                                                                                                                     2007
                                  I   Snuggle under a fleecy throw in
2 - 4 Dec 2011                                                                      de-ice the windscreen or locks                                                   Leon Jackson “When You Believe”
British Military Tournament           the evening and pop on some                                                             2003
Earls Court                           slipper socks, widely available           I   Invest in a small snow-shovel             Michael Andrews featuring
                                                                                                                                                                     2008
britishmilitarytournament.com         Sources - direct.gov.uk and argos.co.uk                                                 Gary Jules “Mad World”                 Alexandra Burke “Hallelujah”
10 - 11 & 17 - 18 Dec 2011                                                                                                    2004                                   2009
Father Christmas
Basing House
01256 463965
                                  Energy Saving Tips                                                                          Band Aid 20
                                                                                                                              “Do They Know It's Christmas?”
                                                                                                                                                                     Rage Against The Machine
                                                                                                                                                                     “Killing In The Name”

6 - 15 Jan 2012                                                                                                                                                      2010
The London Boat Show                  Go to energysavingtrust.org.uk for details of any                                                                              Matt Cardle “When We Collide”
ExCel London                          energy-saving grants available in your area, also
londonboatshow.com                    try insulatehampshire.co.uk for properties in
12 - 15 Jan 2012                      Hampshire or phone 0800 952 0037
The Outdoors Show
ExCel London
theoutdoorsshow.co.uk
                                  You could save up to £600 per year on your energy bills!                                                                              Our 5 favourite (or best groan-
                                      Loft Insulation and draft stripping           Renewable Energy, Radian is able to
23 Jan 2012
                                  I
                                      around the loft hatch
                                                                                I
                                                                                    help by offering free impartial advice,                                             inducing!) Christmas Cracker
Chinese New Year
Year of the Dragon                I   Cavity Wall Insulation (not                   contact your Neighbourhood Officer
                                                                                    or Radian Direct
                                                                                                                                                                        jokes!                   a short sighte
                                                                                                                                                                                                                d
                                                                                                                                                                                                              call
                                      available for timber frame houses)                                                                                                                         What do you            k-he-saw-us!
Radian Dates for your Diary       I   Double Glazing, check the seals           I   Current Cost Electricity Meter, request                                                                      dinosaur? A do-you-thin
                                                                                                                                                                                    in
                                                                                    one from your current supplier or                                                        a pengu
3 December 2011                       on existing doors and windows                                                                                                 you call
Woolston Christmas Festival           to avoid heat loss                            purchase on line for an instant view                                  What do ra desert? Lost.          Why was Santa's little helper
                                                                                                                                                                    ha
Victoria Road, Southampton                                                          of which appliances use the most                                      in the Sa                         feeling sad? He had low elf-est
                                  I   Central Heating & Hot Water Boiler,           energy                                                                                                                                 eem.
12.00 p.m. to 6.00 p.m
                                      invest in a new condensing boiler,
                                      check boilerscrappagescheme.com           I   Simple changes such as keeping                                  What is Sa
1st, 8th, 15th December 2011                                                                                                                                   nta's favou
                                                                                    doors closed, or using a hot water                              One that's            rite pizza?        What do you call a man
Mansbridge Christmas                  Fit Thermostatic Radiator Valves (for                                                                                    deep pan,
Crafting Sessions
                                  I
                                                                                    bottle rather than leaving the heating                                               crisp and e         with paper trousers? Russell
                                      different temperatures throughout                                                                                                             ven.
                                                                                    on overnight could have a big impact
                                      the house)                                    on your monthly outgoings for bills
4                                                                                                                                                                                                                                      5
The Ladder
    THE ULTIMATE GUIDE FOR
    PURCHASING YOUR OWN HOME




ISSUE 4 AUTUMN/WINTER 2011                                                                                                                 Did You Know?                                         Radian Response times...
                                                                                                                                                                          We aim to        Calls will           Email responses          Letters will be acknowledged

         Subletting
                                                                                                                                                                          answer calls     be returned          will be actioned         within 2 working days and a
                                                                                                                                                                          within 20        within 2             within 2                 full response sent within 10
                                                        Please refer to your Shared                                                                                       seconds          working days         working days             working days

         explained                                      Ownership lease or Equity Loan
                                                        agreement which will include the
         Subletting is not permitted within our         following clauses or similar:
         Shared Ownership or Equity Loan

                                                                                                                                           FAQs from our Equity Loan Home Owners...
                                                        I   Not to assign underlet
         (excluding AFHOS) properties unless                charge mortgage or part
         under exceptional circumstances                    with possession of part
         that have been approved by Radian.                 only of the Premises                Exceptional circumstances can be
         Purchasing a property under the                                                        considered on a case-by-case basis         I   Will my home improvements           I Can I further borrow to                      I  I want to redeem my loan
                                                        I   Not to underlet the                 but you must discuss this with us first.   be taken into consideration               help consolidate my debts?                      but I am staying in the property,
         Shared Ownership or Equity Loan                                                                                                                                                                                             what do I do?
                                                            whole of the Premises                                                          when I redeem my equity loan?           No. Further borrowing can only be used
         schemes means you have signed                                                          For more details please                    A valuation will be carried out         for funding home improvements and              Contact Radian to pay for an independent
         an agreement to confirm you will               I   To occupy the Property              contact the Home Ownership                 to ascertain the current property       repairs that Radian have approved.             valuation to be carried out to ascertain
         reside within the property as your                 as the Borrower's only              Customer Service Team                                                                                                             the current property value. Your loan
                                                                                                                                           value. If Radian has approved the
         only or main residence.                            or main residence                   on 023 8062 8004. I                                                                I  What happens if I’m in                      redemption will then be based on the
                                                                                                                                           improvements, the surveyor will value
                                                                                                                                           the property with and without taking       negative equity when I sell?                valuation. Most clients instruct a solicitor
                                                                                                                                           the improvements into consideration.    The mortgage lender is always entitled         to ensure the charge against the
                                                                                                                                           If the improvements have increased      to receive the full amount of mortgage         property is removed once the loan


Winter safety tips                                                                                                                         the value of the property, the
                                                                                                                                           redemption figure will be calculated
                                                                                                                                           on the lower figure.
                                                                                                                                                                                   outstanding, any remaining equity will
                                                                                                                                                                                   be used to clear your equity loan with
                                                                                                                                                                                   Radian. We recommend you contact
                                                                                                                                                                                   the Customer Service Team to discuss
                                                                                                                                                                                   this further.
                                                                                                                                                                                                                                  has been redeemed.
                                                                                                                                                                                                                                  I   Can I port my loan to
                                                                                                                                                                                                                                      a new property?
                                                                                                                                                                                                                                  No, unfortunately the loans were offered
                                                                                                                                                                                                                                  to help assist in the purchase of your
     Safety in the Home                                      Decorative Light Safety                                                                                               I I want to sell my property,                  first property, therefore this will need
     I    Know where your fuse box                           I   Check lights before packing them                                                                                    what do I do?                                to be redeemed once the property
          (consumer unit) is located                             away and again when unpacking                                                                                     As an Equity Loan home owner you are           has been sold (excluding AFHOS).
          and keep it clear                                  I   Replace bulbs, check loose or worn wiring                                                                         responsible for marketing your property,       If further assistance is required, you can
     I    Find out where your water and                      I   Don’t overload extension sockets                                                                                  usually via estate agents. Once a firm offer   re-register with your local HomeBuy
          gas stopcocks are located                          I   Switch off lights if leaving the room,                                                                            has been received, you need to forward         Agent for the current available schemes.
          and keep access clear                                                                                                                                                    a copy of the Memorandum of Sale to
                                                                 house or going to bed                                                                                                                                                As the Government has ceased
                                                                                                                                                                                   your Post Sales Officer to calculate the       I
     I    Ensure locks on your                               I   Lights get hot so remember to keep                                                                                                                                  Key Worker priority, how does
                                                                                                                                                                                   redemption figure. If Radian disagree
          outside doors are                                      them away from fabrics and paper                                                                                                                                    this affect my equity loan?
                                                                                                                                                                                   with the sales figure or you have carried
          effective                                              Only put lights outdoors if they’re                                                                                                                              If you received an equity loan under one
                                                             I                                                                                                                     out substantial improvements and wish
     I    Fit a safety chain                                     designed for outdoor use                                                                                          these to be taken into consideration, an       of the Key Worker HomeBuy schemes,
          to the main door                                                                                                                                                         independent valuation will be required.        you no longer have to pay back your
                                                                                                                                                                                                                                  loan if you cease to be a Key Worker.
                                                                                                                                                                                                                                  This means you can stay in your property
                                                             Personal Safety                                                                                                                                                      if your job changes and you do not need
                                                             I   When out and about stay in well lit areas, don’t                                                                                                                 to notify us.
     Candle Safety                                               take shortcuts and carry a personal attack alarm
     I    Put candle in a glass holder and                   I   If you use a wheelchair, keep your bag in front
          place on heat-resistant surface                        of you, not hanging off the back of the chair                             I  What about basic
     I    Place out of reach of children                     I   Use Taxi firms you know when possible                                        redecoration, will this increase
          and pets                                           I   Think you’re being followed? Cross the road, change direction                the value of my property?
     I    Place away from draughts,                          I   Stay alert, take the earphones out!                                       General decorating is regarded
          curtains and other fabrics,                                                                                                      as your normal repair and
          plants and paper, hair                                                                                                           maintenance obligation, therefore
           I Always put the candle out
                                                             We are giving away 50                                                         Radian will not class decorating as
              if leaving the room, house                     Attacka personal alarms                                                       a home improvement. We cannot
              or going to bed                                                                                                              guarantee that basic redecoration
                                                             to the first 50 Radian home                                                   will increase the value of your home
              I Use a candle snuffer
                                                             owners to send an email to                                                    as it depends on market conditions
                  or spoon to extinguish
                                                                                                                                           in your area.
                  candles, blowing out                       theladder@radian.co.uk or a postcard
                  could cause a cinder to                    to: The Ladder Magazine, Radian,
                  ignite a nearby object                                                                                                                                            If you have any other questions relating to your Equity Loan please
                                                             Collins House, Bishopstoke Road, Eastleigh SO50 6AD                                                                    contact our Home Ownership Customer Service Team 023 8062 8004
                                                                                                                                                                                    or email postsales@radian.co.uk
                                Source: direct.gov.uk
6                                                                                                                                                                                                                                                                          7
Meet the Community                                                                        Staircasing
Involvement Team!                                                                         and Equity Loan
                  There are lots of ways that you as a resident can get involved.
                                                                                          Redemption
                  Even if you only have a small amount of time available you              Events - Update!
                   can still make a difference. Please refer to the leaflet
                   enclosed with this edition of The Ladder.                              Radian would like to thank the
                                                                                          residents who attended our pilot
                    You may see the team out and about if you live in one of Radian’s
                                                                                          campaign of events over the last
                    shared ownership or leasehold properties. The team work with
                                                                                          8 months! Our aim was to provide
                    local communities to help improve services and support our
                                                                                          shared owners and equity loan
residents, from any Radian community or voluntary group being able to apply
                                                                                          home owners with information
for Community Grants up to £1,500, to Kick Start Funding up to £300 for Radian
                                                                                          about buying more shares in their
residents’ children (11 to 18 year olds) who want to learn and develop new skills.
                                                                                          property (staircasing) or paying off
For application forms or to contact the Community Involvement Team                        their equity loan.
please visit radian.co.uk and follow the ‘Get Involved’ link,
                                                                                          The residents that
email radiandirect@radian.co.uk or call 0300 123 1567. I
                                                                                          were able to attend
                                                                                          the events found

Focus Group in Fawley                                                                     the sessions
                                                                                          informative and a
We will be working with the community on a series of                                      good opportunity
consultations throughout the Autumn to find out what it                                   to ask questions in
is like for people living in our areas. Local knowledge is                                order to decide whether it is a good
invaluable. If you have ideas, comments or want to be                                     time to proceed. We plan to schedule
involved please contact the Community Involvement Team. I                                 further events in the near future, but
                                                                                          in the meantime if you would like to
                                                                                          discuss staircasing or redeeming

May the Force be with you                                                                 your equity loan, please contact our
                                                                                          Home Ownership Customer Service
                                                                                          Team on 023 8062 8004 or
On Thursday 22nd September, Radian’s Home Ownership team took on the                      email postsales@radian.co.uk
challenge to develop two areas of land on the year old Oakfield Gardens
development in Southampton, in a “Ground Force” style one day makeover.
And who could be better to give advice on gardening and to get stuck in with                        Did you know...
the digging, lifting and planting, than local TV gardener Charlie Dimmock!
                                                                                             The funds raised as a result of
The team met at 8am with their pre-made         The day was a huge success, and               a shared owner buying more
plans and digging commenced! In just            showed that team work can bring             shares, or an equity loan home
eight hours the scrub land at one end of the    a community together and help                  owner redeeming their loan,
development was turned into an amazing          build great relationships between            enables a housing association
eco-garden with log piles for bugs and a        residents and all the Radian staff
                                                                                              to build more homes, both to
bog garden to encourage more wildlife,          helping out on the day in Home
as well as natural seating areas for the        Ownership, Housing,                                        rent and to buy.
residents to enjoy. The piece of land in the    Community
middle of the two blocks of apartments          Development and
was transformed into a turfed area,             Estate Management.
beautiful raised beds with pretty flowers
and a seating area for residents.

Resident Martin Davis, enthused, “This
garden is really good for the community
                                                                        Before
as the children will have a nice safe place
to play and go to.” Neighbour Carol Everitt
added, “It’s nice for the adults too as they
can have somewhere to go to sit and
have a chat.”
                                                                        After




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