Top Employee Benefit
Surveys have shown that where ESM is added to the number of available employee benefits, it invariably goes to the top of the list.
Help for First-Time Buyers
This is even more so when ESM is used to fund home deposits to enable first time buyers to enter the housing market.
Most Valuable Benefit
The Mortgage is the biggest single-cost liability that people have. Subsidising and reducing it is the most valuable employee benefit to have.
Addressing the Housing Challenge
Home ownership has fallen with rising house prices now standing at an average of 7.6 times the annual salary. The average cost of monthly mortgage payments on a three-bedroom house totals £965.33 making housing the biggest monthly expense for employees. Employee subsidised mortgages are arguably one of the most attractive benefits an employer can offer.