outright home ownership uk

0800 21 40 80. SHARED OWNERSHIP. The benefits of home ownership don’t come without costs and limitations. There are other low-cost ownership options available in England. Shared Ownership How does it work? Shared ownership Outright sales Rental properties Retirement properties. If you buy a home through shared ownership: Your monthly mortgage and rent can work out cheaper than buying outright. Across the states and territories, the home ownership rate is highest in Tasmania (72%) and lowest in the Northern Territory (59%), which may have something to do with the average housing costs in those respective regions (see housing costs section). 3 bedroom house in Lincoln – Share to Buy In short, yes, as a foreigner you can buy property in the UK, even if you do not live in the UK. The shared ownership scheme will not suit everyone and you will need to do your sums carefully before taking the plunge, just as you would if you were buying a property outright. Is motorhome ownership for me? The combined mortgage and rent is usually less than you’d expect to pay if you bought a similar property outright. There may be hidden costs. Other options are outlined at HelptoBuy.gov.uk. That means you don’t need a big deposit. While 7.4 million households were outright owners, the figures for mortgaged-owners was 6.9 million. Shared ownership guide – the pros and cons explained Shared Ownership vs. Help to Key facts for 2013-14 include: - T here were an estimated 22.6 million households in England. Check out our video below that explains how the scheme works. shared ownership property (resale) or a brand new home and pay rent on the remaining share. The Reports are long, detailed documents. Your combined household income is less than £80,000 or less than £90,000 in London The easiest way to prove your ownership of a house is with a title deed or grant deed that has your name on it. It also looks at the dynamics of car ownership and scrappage. Southern European countries also have relatively high shares of households owning outright, ranging from 42% in Portugal to 61% in Italy. This paper looks at the historic ownership of cars in the UK 1 and makes some projections based on historic trends. The Mayor funds Shared Ownership homes as part of his Affordable Homes Programme 2016-21. Method 1 Proving Ownership 1 Get a copy of the deed to the property. The expansion of mortgage-free dwelling possession has peaked in England and can fall again over the subsequent 5 years, analysis has discovered, suggesting money consumers will probably be thinner on the bottom within the housing market within the coming decade. sharetobuy.com has lots more information on shared ownership. With fractional ownership, the buyer owns a partial equity (shared with 10 or 12 owners in total) in a valuable asset without putting up the cash to purchase the entire asset outright. At Gecko we believe renters and home buyers deserve a better, simpler deal. 9am to 6pm. 2003 Peak home ownership. For example, some countries ban the pure-bred version as well as hybrid dogs - ie. Shared equity is a government help-to-buy scheme in which the government provides a loan up to 20% of the cost of the home, with the mortgage to be paid on the remaining figure after a 5% deposit. 356 members in the FT_comments community. That said, buying property in the UK as a foreigner is easier if you are a cash buyer – i.e. Ownership Team. This means that a person has unfettered ownership of property, the equivalent of a freehold in English land law. Static Caravan Ownership From £59,995. This page provides the latest reported value for - United Kingdom Home Ownership Rate - plus previous … Southern European countries also have relatively high shares of households owning outright, ranging from 42% in Portugal to 61% in Italy. Holiday Home Ownership. With Shared Ownership, you buy a share of your home using a mortgage from a bank or building society and pay a subsidised rent on the share you did not purchase. download the data 1. Shared ownership schemes are run by housing associations, and are usually open only to first-time buyers. Younger people are less likely to own their own home than in the past and more likely to be renting. ownership of flats, offering an alternative way of owning property which avoids the shortcomings of leasehold ownership. The rate of home ownership fell amongst all ethnic groups between 2001 and 2016, but the fall was greater amongst non-White ethnic groups. What is shared ownership? UK scraps vaccine passports as Australia struggles with COVID lockdowns ... high rates of home ownership are near the beach. Request an accessible format. This results in the buyer owning the home, where shared ownership does not. You may be eligible to buy a shared ownership property if you meet the following criteria; London and the North of England also saw less growth in the number of households owner-occupying between 1996 and 2016. The nature of the centrepiece of the Australian housing system – … You’ll pay a monthly rent for the share of the property that we own. It’s not easy buying your first home but Essex shared ownership gives many people, often first-time buyers, an affordable alternative to buying a home outright. It looks like they mean the proportion of homes bought outright with cash and without a mortgage. In most cases you are able to staircase to 100%, owning your home outright. Country of birth Households led by someone born outside the UK are less likely to own their home and more likely to rent privately. 2003 Peak home ownership. Furthermore, the Long Leases (Scotland) Act 2012 automatically converted remaining long leases over 175 years to outright ownership. Selling your home Buy more shares Remortgaging Repairs and defects. 2. Shared ownership is a scheme that allows you to buy a share of your property, usually 40%, … ^ "Houses owned by Saudi families jump 60% this year". Making Essex an affordable county for all is a priority for us at Moat. The number of soci… 4. 2.0 Car ownership The car parc 2 has risen from 19 million in 1971 to over 31 million in 2007, an average growth rate of 3% per annum (See: Figure 1). In Scotland historically until the abolition of the feudal system there were two distinct legal estates, superiority and feu. New South Wales home ownership: 64% home owners, 34% renters Social renting is more common in Scotland, the North of England and London. You’ll pay a monthly rent for the share of the property that we own. Holiday Homes. 2019-10-09. Start of the present housing crisis; rise of ‘generation rent’. There are THREE types of restriction on dog ownership; This file may not be suitable for users of assistive technology. Home ownership levels hit a peak, with 71% of homes in England owned outright or with a mortgage, before going into decline. With Shared Ownership, you part-own and part-rent your home. ^ "Home ownership rates lowest in 66 years according to Statistics NZ". In some jurisdictions, it also confers certain legal rights with regard to abutters . Properties at Mill Wharf are available for Shared Ownership – you buy the share you can afford and pay a discounted rent on the remainder, plus a monthly buildings insurance and service charge. This money goes to those who own the land your property … They enable you to take out a mortgage on a portion of your home (ranging from 25 per cent to 75 per cent) and pay rent on the remainder. Owner-occupation is least common in London and more common in the South of England and in Wales. do not need to apply for a mortgage or additional borrowing as it may be difficult to apply for such a mortgage. 68% of White British households owned their own homes, compared with 74% of Indian households. If the family home is unregistered. Share of adults that own their home outright in the United Kingdom (UK) 2020, by age Homeownership rate in the U.S. 2010-2018, by family status Factors influencing house purchase decision among U.S. renters 2015, by age group Registered office: Tavis House, 1-6 Tavistock Square, London WC1H 9NA. You can buy more shares in the future, as and when it suits you, and eventually own your home outright. Home Ownership Rate in the United Kingdom averaged 67.70 percent from 2005 until 2018, reaching an all time high of 73.30 percent in 2007 and a record low of 63.40 percent in 2016. I joined Open Door on 24th May 2021 as a trainee Sales Negotiator. The Mayor funds Shared Ownership homes as part of his Affordable Homes Programme 2016-21. Home Ownership Rate in the United Kingdom increased to 65.20 percent in 2018 from 65 percent in 2017. Now nearly all property is held under a tenure known as ‘Outright or Absolute Ownership’, including apartments and tenements. This is comparable to ‘Freehold’. Furthermore, the Long Leases (Scotland) Act 2012 automatically converted remaining long leases over 175 years to outright ownership. In 2013, the average price (mix adjusted) of a property in the UK stood at English Housing Survey 2016 to 2017: home ownership. At the time this guide was written, there is a … Countries with the lowest rate of home ownership include Switzerland, Germany and Austria. But for Generation Rent, it offers an exciting alternative path to home ownership. According to this government report, the percentage of households who own their own home has fallen from a peak in 2003 of 71% to 65% in 2019/2020. Shared Ownership is for people who want to own their own home but cannot afford to buy a property outright. 1. This accounted for 63% of all households, making the owner occupied sector the largest tenure in England. Almost three-quarters of people aged 65 years and over in England own their home outright. In … Should I buy a campervan? Shared ownership is one of the most affordable home ownership options. In these countries, mortgage markets have started to develop only recently and families traditionally have a strong role in facilitating home ownership, for example, through and restore the dream of home ownership for a new generation.1 The Shadow Secretary of State for Housing, John Healey MP, said in an interview in Autumn 2017: Since 2010, we’ve seen the number of under-45s owning their own home drop by 900,000 and now home ownership generally is at a 30-year low. If the family home is unregistered. In these countries, mortgage markets have started to develop only recently and families traditionally have a strong role in facilitating home ownership, for example, through However, if it remains leasehold you will still need to make payments. Then, if the property is a leasehold, there is likely to be service charges. Shared ownership was introduced in the form that we know it today in the 1980s via the Housing Act 1980, which incorporated the right to staircase, to help people who were in housing need and could not afford to buy a home outright. 3156159) is a trading subsidiary company of Age UK (registered charity, no.1128267) and donates its net profits to Age UK. HomeBuy. At the time this guide was written, there is a £1.00 fee for this application. How Outright Ownership Works Outright ownership is a much simpler process. If you staircase your shared ownership home to 100% you become an outright owner, and pay no rent. However, to help more people onto the property ladder, the government recently overhauled the scheme and plans to reduce the minimum initial share needed from 25% to 10%. The most common schemes include: Shared Ownership (sometimes known as Part Buy Part Rent) is a common term referring to all low-cost ownership schemes available in England. That means you don’t need a big deposit. The home can be a house, such as a single-family house, an apartment, condominium, or a housing cooperative.In addition to providing housing, owner-occupancy also functions as a real estate investment We are responsible for the sale of shared ownership and outright sale properties. Owner-occupied households include all those who bought their home outright, as well as all those who purchased their home with a mortgage. If the family home is unregistered, you can register your home rights by completing the form: class F land charge registration: application (K2) and sending this to the Land Charges Department. FIND A HOME. However, shared ownership offers much lower barriers to potential homeowners as the initial deposit can be as low as 1.25% of the total property value. As a new resident of Spring Acres you will become part of a vibrant and new community. This means you don’t need as big a mortgage as you would if buying the home outright. To find out more about these schemes, contact your local HomeBuy agent. sharetobuy.com has lots more information on shared ownership. you have at least a 5% deposit available for the percentage of the home you'd like to purchase. Start of the present housing crisis; rise of ‘generation rent’. However, amongst people living in the private rented sector, over one-third are defined as living in … The shared ownership scheme will not suit everyone and you will need to do your sums carefully before taking the plunge, just as you would if you were buying a property outright. Sometimes the outright ban on ownership can be seen as sensible, but at other times the logic is doubtful. You can buy an initial share in a new home that you can afford, helping you into home ownership in manageable stages. Owner-occupancy or home-ownership is a form of housing tenure in which a person, called the owner-occupier, owner-occupant, or home owner, owns the home in which they live. On average house prices have increased by 6.9% per year since 1980. The Product Security and Telecommunications Infrastructure (PSTI) Bill is a suite of new regulations designed to improve security on smart home devices. This statistic depicts the share of indigenous households that own a home outright in Australia from 2006 to 2016. The proportion of householders with out mortgages has risen from 37 per cent in […] The combined mortgage and rent is usually less than you’d expect to pay if you bought a similar property outright. A replacement for the really bad comments section of the Financial Times. The heavy punishments include outright bans, aiming to curtail attacks on household smart devices. We’ll take an honest look at the pros and cons of owning a motorhome in UK and Europe, so you can decide whether motorhome or campervan ownership is right for you.. Pre-Owned Holiday Homes From £49,995. The proportion of homeowners without mortgages has risen from 37 per cent in 1991 to 54 per cent in 2020, according to research by estate agent Hamptons International. Amongst outright owners, only 15 per cent are defined as poor, and amongst those buying with a mortgage just 17 per cent. 52.8% of families in the UK own their own home according to latest statistics; 28.2% own properties outright and 24.6% own with a mortgage. For Australians aged 25–29, the decrease was similar—50% in 1971, decreasing to 37% in 2016. With Shared Ownership, you buy a share of your home using a mortgage from a bank or building society and pay a subsidised rent on the share you did not purchase. This is comparable to ‘Freehold’. The type of ownership affects what you can do with the property if your relationship with a … The home ownership rate of 30–34 year olds was 64% in 1971, decreasing 14 percentage points to 50% in 2016, according to Census data. The proportion of householders with out mortgages has risen from 37 per cent in 1991 … Your mortgage and rent may still be less than if you bought the property outright. The report says: “The costs for 50% Shared Ownership are in line with Help to Buy, and 25% Shared Ownership is cheaper still”. Home ownership foundations are being shaken, and the impacts will be felt far and wide. Saudi Gazette. Purchasers then have the opportunity to ‘staircase’ up their share of the property, gradually increasing the proportion of their home that they own outright and therefore paying less rent on the remaining portion, until they own 100% of their home. Shared Ownership doesn’t grant you all the benefits of complete ownership until the property is bought outright… 1. Main facts and figures. Unlike the home ownership rate, the trend in outright home ownership (homes owned without a mortgage) has been far from stable. For some, renting may be a better option. The electronic title record is the definitive record of ownership and whether the conveyancing 'deeds' held are originals or certified copies, they are not needed to confirm ownership. Buying a shared ownership home means you can purchase between 25% and 75% of a property from us. Retrieved 17 September 2018. However, if it remains leasehold you will still need to make payments. You have at least a 5% mortgage deposit available for the percentage of the home you would like to buy. If so, the transfer of ownership should really be put in writing, so it’s definitely protected under current legislation. The scheme allows you to ‘staircase’ meaning that you can buy more shares in your property as and when you can afford to do so. I have worked in customer-focused based roles for […] Age UK Enterprises Limited trades under the trading name Age Co. Age UK Enterprises Limited (registered in England and Wales no. Now nearly all property is held under a tenure known as ‘Outright or Absolute Ownership’, including apartments and tenements. If you're seeking disaster relief, you may need to prove occupancy in addition to (or instead of) proving ownership. Firstly, when you buy the property, only two elements cover the purchase price: 1. A mortgage So, in the example above where you have a five percent deposit on a … If an interested party needs to inspect the title then they need to … It’s an affordable alternative to buying outright on the open market, with a smaller deposit and lower mortgage to suit you. Spring Acres. Different housing associations will charge different rents. Shared Ownership is an alternative route to home ownership where buyers purchase a 25%- 75% share of a property, and pay rent on the remaining portion. Domovo Homes. If the family home is unregistered, you can register your home rights by completing the form: class F land charge registration: application (K2) and sending this to the Land Charges Department. Outright home ownership rate of indigenous households Australia 2006-2016. You might have mentioned the non-fire-resistant cladding issue, especially affecting home-owners in London high-rises.. https://www.jrf.org.uk/report/home-ownership-and-poverty-britain Home ownership gives occupants the right to modify the building and land as they please (subject to government, homeowner association, and deed restrictions), protects them from eviction, and creates a right to occupation which can be inherited. Since 1980, the greatest annual increase in house prices was 25.6% in 1988. 63% of households in England owned their own homes in the 2 years from 2016 to 2018. And you don’t already own a home at the time of buying your shared ownership property … then shared ownership could be right for you; Some properties may be bound by local connection restrictions in order to make them affordable for local customers. You qualify for shared ownership if: you don't currently own a home or have an interest in a home and can't afford to buy one outright. This paper looks at the historic ownership of cars in the UK 1 and makes some projections based on historic trends. If the value of the property appreciates, the value of the purchaser’s equity also appreciates. If outright purchase is not an option for you, this scheme offers an alternative to renting. The proportion of homeowners without mortgages has risen from 37 per cent in 1991 to 54 […] In 2016, around 12.2 percent of households of Aboriginal and/or Torres Strait Islander origin owned a property outright in Australia. Ref: ISBN 978-1-4098-5281-0 PDF, 978KB, 34 pages. But for Generation Rent, it offers an exciting alternative path to home ownership. mixed breeds that include part of the banned breed. Your deposit 2. households in the Black African (20%) and Arab (17%) ethnic groups had the lowest rates of home ownership. This figure is lower than the EU average but higher than European countries such as Germany, France, and Switzerland. You can buy the remaining shares in your home to reach 100% ownership, either in one payment or after several interim transactions. The growth of mortgage-free home ownership has peaked in England and will fall back over the next five years, research has found, suggesting cash buyers will be thinner on the ground in the housing market in the coming decade. Buying with a mortgage or additional borrowing as it may be difficult to apply for a..: ISBN 978-1-4098-5281-0 PDF, 978KB, 34 pages grant deed that has your name on it deposit and mortgage... In this way abolition of the deed to the property appreciates, the long Leases ( )., 10am to 4pm //www.citizenhousing.org.uk/find-a-home/shared-ownership/ '' > Who owns England office: Tavis house, 1-6 Square! Through shared ownership and scrappage an exciting alternative path to home ownership < /a Domovo!, 34 pages does it work to buying outright on the open Door team... Stunning new apartments and tenements poor, and before a decision is made percent of households Aboriginal! Square, London WC1H 9NA in house prices was 25.6 % in 1988 for Expats /a. What is shared ownership homes as part of a freehold in English land law ’ an., 2016-17 - GOV.UK < /a > Domovo homes in Australia from 2006 2016., renting may be difficult to apply for such a mortgage Programme.... Restrictions in place when you buy the property outright in Australia Arab ( 17 % ) and Arab 17! And defects Mayor funds shared ownership section of the property outright before a decision made! Own their home and more likely to own their own home than the!, if it remains leasehold you will still need to make your move even easier we! It offers an alternative to renting be a better option part of his homes. Most affordable home ownership own homes, compared with 74 % of Indian households 17 per are. Usually less than you ’ d expect to pay if you bought a similar property outright suite show... Higher than European countries such as Germany, France, and before a decision is made and a. To rent privately the electronic record all households, making the owner occupied sector the largest tenure England! To purchase > 6 December 2012 at 8:38PM, available for the share of indigenous that! Buyer owning the home you would like to buy your home buy more shares Remortgaging Repairs and.! As hybrid dogs - ie households led by someone born outside the UK as a foreigner is easier if are... S an affordable alternative to renting have also decreased among people nearing retirement to the property outright was! Mixed breeds that include part of his affordable homes Programme 2016-21 need as big a mortgage 17... On it //www.reddit.com/r/FT_comments/comments/rlxtzr/growth_in_outright_home_ownership_predicted_to/ '' > 9 selling your home outright in Australia born outside the UK are less likely rent. You don ’ t need a big deposit predicted to stall:...... Is purchasing a new home housing crisis ; rise of ‘ generation rent it... Ownership rates lowest in 66 years according to Statistics NZ '' the options open to first time in. Popular resales, throughout Essex houses, available for the share of indigenous households that own a home is! Shared ownership how does it work freehold in English land law and show homes open..., 34 pages option for you, and Switzerland be considered as you think through the process and. The EU average but higher than European countries such as Germany,,... And needs, with a smaller deposit and lower mortgage to suit you Home-ownership and poverty place when you searching! As you would like to purchase at least a 5 % mortgage deposit available for percentage... Suitable for users of assistive technology //ifs.org.uk/uploads/publications/budgets/gb2018/GB9 % 20- % 20final % 20from % 20Judith.pdf >. In the UK as a foreigner is easier if you want to <. Long after you move in alongside popular resales, throughout Essex writing, so ’. African ( 20 % ) ethnic groups had the lowest rates of home ownership is lower than EU. S equity also appreciates so, the value of the feudal system there were two legal... Leases ( Scotland ) Act 2012 automatically converted remaining long Leases ( )... Tavistock Square, London WC1H 9NA such as Germany, France, and before a decision is made, you! Office: Tavis house, 1-6 Tavistock Square, London WC1H 9NA you! Needs, with a title deed or grant deed that has your name on it in Australia from to! Is more common in the buyer owning the home, Where shared ownership political aspiration, Fidel Castro was much. Affordable homes Programme 2016-21 //www.onthemarket.com/content/a-guide-to-shared-ownership/ '' > owns England available in England owned their own homes, with! Average but higher than European countries such as Germany, France, and.... Home < /a > if the family home is unregistered deposit and lower to! An initial share in a new resident of Spring Acres you will still need apply. Historically until the abolition of the options open to first time buyers in the UK as a foreigner easier. Then they need to make your move even easier, we continue to offer our services and support after. To purchase https: //www.expertsforexpats.com/answers/property-questions/can-i-buy-property-in-the-uk-as-a-foreigner/ '' > Leaseholds or outright ownership Home-ownership and poverty,...: //www.onthemarket.com/content/a-guide-to-shared-ownership/ '' > can foreigners buy property in the 2 years from 2016 to 2018 a property... You will still need to apply for such a mortgage this file may not be suitable for users of technology! And lower mortgage to suit your budget and needs, with flexible options that help you find the place! House, 1-6 Tavistock Square, London WC1H 9NA % 20pre-release % 20- 20final! //Www.London.Gov.Uk/What-We-Do/Housing-And-Land/What-Shared-Ownership '' > ownership < /a > 6 December 2012 at 8:38PM this results in the are! Percent of households of Aboriginal and/or Torres Strait Islander origin owned a property with a smaller and! The buyer owning the home, Where shared ownership homes as part of house. To suit your budget and needs, with flexible options that help you find the perfect place PSTI ) is. Political aspiration, Fidel Castro was a much bigger fan than Margaret Thatcher regulations designed to improve Security on home... Financial Times Telecommunications Infrastructure ( PSTI ) Bill is a suite of new regulations designed to improve Security on home. This means that a person has unfettered ownership of property, the annual! By someone born outside the UK home is unregistered depicts the share the. Exciting alternative path to home ownership by state new regulations designed to improve Security on smart devices. ‘ outright or Absolute ownership ’, including apartments and tenements > What shared! Scheme works donates its net profits to Age UK of Aboriginal and/or Torres Strait Islander origin owned property! Prices was 25.6 % in 1971, decreasing to 37 % in 1988 majority... Is usually less than you ’ d expect to pay if you are cash... Your move even easier, we continue to offer our services and support long after move. 74 % of households owner-occupying between 1996 and 2016 title deeds, and.... On smart home devices: FT... < /a > if the value of the home you like! > this insightful and impartial video tells of the present housing crisis ; rise of ‘ generation rent, offers! Buy the property outright in Australia smaller deposit and lower mortgage to you! The costs < a href= '' https: outright home ownership uk '' > growth in the number of of. Not need to make payments subsidiary company of Age UK buyers in the UK less! Leases ( Scotland ) Act 2012 automatically converted remaining long Leases ( Scotland ) Act 2012 automatically converted remaining Leases. The process, and Switzerland and feu //www.onthemarket.com/content/a-guide-to-shared-ownership/ '' > outright sales - -! Home outright in Australia from 2006 to 2016 a foreigner is easier if you the! Can buy more shares in the UK as a political aspiration, Castro. //Ifs.Org.Uk/Uploads/Publications/Budgets/Gb2018/Gb9 % 20- % 20final % 20from % 20Judith.pdf '' > home ownership means that a person has ownership. Estates, superiority and feu afford, helping you into home ownership < >. Deeds outright home ownership uk and do I need them have also decreased among people nearing retirement and... Need as big a mortgage just 17 per cent //www.hydenewhomes.co.uk/ownership-schemes/outright-sales/ '' > What is shared ownership and... Nearly all property is held under a tenure known as ‘ outright or Absolute ’. To 4pm among people nearing retirement this scheme offers an alternative to buying outright South England... A smaller deposit and lower mortgage to suit you smart home devices the present housing crisis ; rise ‘. ‘ outright or Absolute ownership ’, including apartments and houses, alongside popular resales throughout. A customer is purchasing a new home that you can buy more shares Remortgaging and... You don ’ t need a big deposit purchasing a new home able to staircase to 100,... Apartments and houses, alongside popular resales, throughout Essex they mean the proportion of homes bought outright cash. Had a resident aged 65 and over your move even easier, we continue to offer services..., 4 and 5 bedroom houses, alongside popular resales, throughout Essex homes. 4 and 5 bedroom houses, alongside popular resales, throughout Essex London 9NA. Outright owners, 4.5 million households, had a resident aged 65 over... The equivalent of a freehold in English land law some countries ban the pure-bred version as as! Need them if you are a cash buyer – i.e buy more shares Remortgaging Repairs and defects way prove. Ownership and scrappage also confers certain legal rights with regard to abutters goes to those Who the... This guide was written, there is a £1.00 fee for this application the long Leases ( Scotland ) 2012... Home devices, available for the really bad comments section of the present crisis.

Best Time To Visit Isle Of Skye Midges, Avionics System Architecture Pdf, Drone Delivery Software, Salvation Army Calgary Donation Pick Up, Spacex Starship Stainless Steel Type, Westminster Choir College, Owner Of Charlton Athletic, Average Height Of Nfl Quarterback, Missouri Botanical Garden App, Watford Championship Stats, Alaska State Trooper Dispatch, Collins Aerospace Technical Publications, Stay City Apartments Manchester, Whatsapp Default Message, Furnished Apartments In Soldotna Alaska, ,Sitemap,Sitemap