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Jessica Brough's Story

First time buyer Jessica Brough (31) struggled to get a mortgage due to her job and after raising a five per cent deposit for her new home at SO Resi Ware in Hertfordshire was asked to double her deposit at the eleventh hour.

Getting a mortgage as a freelancer or contractor is notoriously difficult, and a staggering two in three self-employed workers believe mortgage lenders treat them worse than those who are employed with a regular salary, according to new research from Aldermore.[1] First time buyer Jessica Brough (31), a Contractor in the precious metals sector, struggled to get a mortgage due to her job and after raising a five per cent deposit for her new home at SO Resi Ware in Hertfordshire was asked to double her deposit at the eleventh hour.

Jessica was able to raise her deposit to 10% equating to £7600 thanks to lockdown restrictions offering her the opportunity to stash the extra cash. With her mortgage accepted thanks to the larger deposit, Jessica was able to purchase a 25% share in a two-bedroom apartment at SO Resi Ware for £76,000 [full market value: £304,000].

Prior to moving into her SO Resi apartment, Jessica was paying £850 a month for a small one-bedroom apartment, also in Ware. She had moved into the apartment with her boyfriend, having previously lived in Clapham Common, where she paid £850 for a room in a shared house.

Jessica comments: “Our outgoings are now £920 a month including our mortgage (£256) and SO Resi payment (£664) – it’s incredible when you compare this to what we were paying to rent a tiny apartment around the corner. Shared ownership has been a lifeline to me, as I didn’t think I would ever be able to buy my own home. I have secured my future, and that of my future family, which is an amazing feeling. My family are so proud of me! I currently own 25% but I hope to eventually staircase to 100% over the coming years, as and when finances allow.”

“The apartment is fantastic. I went into the sales suite, spoke to the team about my budget and picked my property blind having fallen in love with the showhouse. My apartment is in the block facing the river and my balcony looks onto the water. I cannot tell you what that means to me, when I was a child, we used to have a stream at the bottom of the garden so have an affinity with the water. My morning coffee and a glass of wine in the evening are always on the balcony with me daydreaming watching the river.”

Kush Rawal, Director of Residential Investment at Metropolitan Thames Valley Housing, comments: “The gig economy is growing in popularity, with freelancing and contracting becoming the norm, especially with those under 40. Shared ownership provides the flexibility to enable such buyers to start moving up the property ladder by buying a share, and gradually increasing ownership over time as and when they can afford to.”

SO Resi Ware is situated next to the picturesque River Lea, offering peaceful waterside walks, yet is just a short walk from supermarkets, independent retailers, GPs, and other amenities. Ware also has a number of cafes, restaurants and bars to enjoy, with a number of sporting, cultural and music events running all year round.

The new development is well connected, with the rolling Hertfordshire countryside, nearby towns and London all within easy reach. Ware Rail Station is just a few minutes’ walk from the development, with direct trains to London Liverpool Street in around 45 minutes. For road connections, the M25, A10 and A414 are all nearby.

SO Resi Ware is now sold out, but SO Resi will be launching a new development in Welwyn Garden City later this year, where one, two and three-bedroom apartments will be available through shared ownership.

To find out more call 020 8607 0550 or visit



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