Churchfields, Garston, from pounds 156,950.

FIRST-TIME buyers struggling to get a mortgage are being nudged onto the property ladder with the help of an interestfree loan.

Available on selected plots at the impressive Churchfields development, in Garston, Lovell's new shared equity scheme paves the way towards a cost-effective move.

Elaine Taylor, regional sales manager for Lovell North West, said: "This is a great option for buyers who may otherwise be unable to get onto the property ladder in the current climate. There's no interest or rent to pay on the deferred 25%, and they have up to 10 years to pay it back.

"The amount repayable is calculated as a percentage of the market value at the time of repayment, subject to terms and conditions. Repayments can be made at any time, giving buyers the option to pay more when they have more funds available."

With already a great community emerging in Garston, Churchfields has brought new character into the area, with its lively mix of two-bedroom bungalows and three and four bedroom homes.

There is plenty going on in and around Garston but it is also just a short distance from Liverpool South Parkway station, main bus routes into the city centre, and Liverpool John Lennon Airport.

Prices start at pounds 156,950 for a threebedroom townhouse.

* OPENING hours at Churchfields are 10am-5pm, Thursday-Monday. For more information, call 0151 427 8098 or email [e-mail].

LOCATION Commuting: Liverpool, five miles. Chester, 29 miles. Manchester, 35 miles.

Schools: Gilmour Junior School and New Heys Comprehensive School are the closest state schools. Independent schools include Clarendon College.

Supermarkets: Somerfield is within walking distance, and Asda is a short drive.

Council tax: Believed to be Band D, pounds 1,511.12.

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The development offers a cost-effective way to get onto the property ladder Churchfields, in Garston, has brought new character into the area