Terms and Conditions
Morris Homes Ltd Use of the information, materials and links in this website is subject to the terms and conditions set out below which constitute the entire binding agreement between you and Morris Homes Ltd relating to the use of this Site. By using this Site you acknowledge that you have read, understood and agree to be bound by the Site Terms and if you do not agree to the Site Terms you should not use this Site. Morris Homes Ltd may at any time update these Site Terms and you will be bound by the Site Terms in use when you visit the Site.
Images and prices
The images, dimensions and floorplans used throughout this website are indicative only. In the majority of cases, they will be illustrations, computer generated images (CGI’s) or photographs of other similar properties, they are unlikely to be actual photographs of the specific plot that is being sold as the majority of plots are sold off-plan. Morris Homes Ltd accepts no liability for the accuracy of the images, dimensions and floorplans used on this Site. For accurate information, please contact the sales advisor on that specific development. An * next to a dimension indicates that this is the maximum dimension for the room, which may include bay windows, or alcoves.
The prices and availability on this web site were correct at the time of addition, however prices and availability are subject to change, please contact the sales advisor at the specific development for accurate information. *Special offers advertised are at the discretion of Morris Homes Ltd, subject to eligibility and in some cases may not be used in conjunction with each other.
Pay 80% own 100% offer (Great Start)
How does the scheme work? Mortgage finance is arranged on 75% of the purchase price, with a 5% deposit from the buyer. The remaining 20% becomes a second loan from Morris secured on the property, interest free for 5 years. When do I have to repay the 20% balance? The 20% at the revised market value is to be paid back at any time up to resale or within 10 years... whichever is sooner. Can I repay the 20% early without selling? Yes - you can either repay a minimum of a quarter of the 20% Morris balance or the full amount at any time, subject to valuation. Are there any other costs involved? Yes – solicitor’s fees and valuation fees will be payable by you. How is the market value determined? We take the average of two independent valuations at the point of resale, early repayment or at the end of the 10 year period. What happens if I improve my property? Do I have to pay 20% of the increased value to Morris? No - the market value at the end of the period is less any improvements. Can I buy a property to rent out? No – the scheme is only available for those buying a home as a place to live. What happens if I cannot repay the 20% after 10 years? In conditions of genuine hardship, the position will be reviewed on an individual basis and the loan period may be extended up to a maximum of five years. How do I apply? Speak to your Morris Homes Sales Advisor, who will refer you to an Independent Mortgage Advisor who is familiar with this scheme. If you decide to proceed with a loan, you will be asked to use one of a number of independent solicitors recommended by Morris Homes.
Offer available on selected homes only on selected Morris developments only - subject to terms and conditions available upon application. A nominal reservation fee of £500 is required.
At all times the mortgage on the 75% share must be maintained as your home may be repossessed if you don’t keep up the repayments on the mortgage or loans secured against the property. Be sure that you can afford the repayment before entering into a credit agreement. Any advice and loan arrangements must be made from morris homes recommended independent financial advisors or a qualified independent financial advisor.
Help to Buy
Help to Buy is a government backed scheme that is available on new build properties. For more details on the Help to Buy scheme, please visit https://www.gov.uk/affordable-home-ownership-schemes/overview . For further details on whether Help to Buy is available to you, please contact the specific Morris development.
Help to Buy scheme available on selected plots only, subject to terms and conditions. Help to Buy prices based on 80% of full purchase price. Purchaser deposit must be a minimum of 5% after the equity loan has been applied. Help to Buy could provide an equity loan for the remaining 20% interest free for the first 5 years. After year five, you will pay a fee on the equity loan of 1.75%, rising annually by the retail price index plus 1%. YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER LOAN SECURED ON IT. Offer subject to use of a mortgage broker from Morris Homes’ panel.
NewBuy is a Government Scheme which facilitates the return of 95% loan to value mortgages. Details of the Scheme are;
Customers require a 5% cash deposit and must meet the lender’s mortgage eligibility criteria for a repayment mortgage.
The Scheme is available on all new properties in England up to £500,000, subject to lender’s criteria.
The Scheme applies to residential mortgages only and is not available on buy to let properties or second homes.
NewBuy cannot be used in conjunction with any other offer or scheme.
This scheme may be withdrawn or modified by Morris Homes or the Government at any time prior to exchange of contracts.
Part exchange is only available on selected plots on selected developments, subject to terms and condistions. 100% full market value is based on the RICS valuation of the property. 105% or 110% part exchange is 105% and 110% of the RICS valuation respectively.
Copyright and Trademarks
The Copyright in all material appearing on this Site belongs to Morris Homes Ltd. You may copy the materials on this Site only in the course of viewing the Site. If you do download materials, then you must use such copies only for your own personal non-commercial use. Except as stated herein you may not copy, download, display, publish, transmit or deal in any way in such materials. Unauthorised use may result in a breach of copyright and/or trade mark laws.
No liability is accepted for the contents of any site operated by a third party which may be accessed via links from this Site. Such links are provided for your convenience only and do not imply that Morris Homes Ltd approves or recommends the content of such sites.
This Site is intended for UK residents only and only in relation to their activities within the UK. The information on this Site may not be accurate or relevant in relation to activities outside the UK.
If any provision of these Site Terms is deemed unlawful, void or for any other reason unenforceable then that provision shall be deemed severable from these Site Terms and shall not affect the validity and enforceability of any remaining provisions.
These Site Terms and your use of information or materials from this Site shall be governed by the laws of England and the parties submit to the exclusive jurisdiction of the courts of England and Wales, save that Morris Homes Ltd may take action in any appropriate jurisdiction to protect its intellectual property rights.
Morris Homes Ltd, Morland House, Altrincham Road, Wilmslow, SK9 5NW. Registered in England, No. 05026617
Modern Slavery and Child Labour Statement for the Financial Year 2016/2017
Morris Group and its subsidiary companies develop homes and neighbourhoods in the UK. Morris's business model recognises that it operates in a cyclical property market where developments can take a number of years to progress from inception, through planning and construction, to completion. This means that the turnover of individual Group companies can vary year on year, taking them above and below the £36 million modern slavery reporting threshold. Morris Group therefore makes this modern slavery statement on behalf of all of the Group companies and joint ventures, all of whom adopt its terms.
Morris regional development companies in Wilmslow, Rugby and Bedford administer a database of approved construction sub-contractors on behalf of the Group. Initial vetting of contractors before their use on developments is a key function performed by Commercial Directors within each operating division.
Sometimes main contractors are used by the divisions where construction requires a single point of contact with design responsibility or there is a single end-user. While there are some limited aspects of the supply chain that are unique to the individual operating companies (for example requirements to use local labour under planning agreements), most of Morris companies’ supply chains are appointed through regional call-off agreements.
A limited quantity of material is sourced directly from suppliers, with the majority of the materials being procured by the contractors engaged to carry out works. Therefore Morris can be several steps removed from the procurement of labour and materials. Nonetheless Morris exercises some degree of control over the sourcing of supplies used on developments and has a long history of sourcing sustainable materials for use on its developments.
One of Morris Group’s key objectives is to make a significant, long-term contribution to the environment and the social and economic fabric of the communities in which it works and its goal is to work with its supply chain to help it achieve this.
The first steps that Morris took to investigate the risk of modern slavery was to carry out internal dialogue with Commercial Directors from around the Group, including representatives from Group Legal, Group Procurement and senior management. From this it became evident that modern slavery is not an isolated issue. It is also closely linked to child labour and should be viewed in the wider context of human rights.
It was acknowledged that Morris already has a good culture of respect and support for human rights, which is implicit in all of its pre-existing corporate policies but that more work was needed to understand properly the possible risk of modern slavery and child labour in its supply chain. Although there has been a great deal of work already carried out looking at the supply chain from an environmental sustainability standpoint, this is not a guarantee that the supply chain is free from modern slavery and child labour. It was agreed that this is a complex area of risk, given the number of possible links in the supply chain and lack of total direct control by Morris, therefore any measures proposed need to be carefully thought through.
Morris requires all new contractors to submit a questionnaire before they will be approved for working on any of its sites. Part of the questionnaire requires contractors to provide information on sustainability, both environmental and social. In 2017 this will be supplemented to include a requirement to provide information on measures that each contractor are taking to combat modern slavery and child labour in their supply chain.
Morris selects the contractors that it uses based on a number of factors and does not always select the offering with the cheapest price when tendering. Morris takes into account the added value offered by each contractor and supplier with reference to Health & Safety, the environment, contract terms and approach to approach to modern slavery.
A key method that Morris uses to exercise control and influence over its supply chain is the contractual terms that it agrees with its contractors and suppliers. The commercial team uses a bespoke contract that all of its site contractors must sign up to.
This contract is being updated in 2017 to include robust anti-modern slavery provisions, including 'flow down' provisions to ensure that the obligations are passed on down the supply chain and not restricted to the first link in the chain.
Site Based Checks:
Morris carries out site inductions for all workers at its construction sites and right to work checks on all of its direct employees. These act as the Group's first line of defence against modern slavery occurring on any site. Company processes will now support these checks and Morris will promptly investigate in the event that there is a suspicion of modern slavery occurring on any site.
Purchase order terms:
The Group has agreed and will implement updates to the Purchase Order terms and conditions for the supply of goods and small scale services that do not warrant a more extensive Call-Off subcontractor order or purchase order.
Group Wide Policy:
Morris’s internal dialogue revealed that the risk of child labour being used in the supply chain is closely related to the risk of modern slavery. As both of these come under the umbrella of human rights, these will be combined into this policy dealing with both issues. The 'Human Rights, Modern Slavery and Child Labour Policy' will be approved by the Board in the financial year 2016/17 as required by the Act.