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Shared Ownership

If you can’t quite afford a mortgage on the open market, Shared Ownership gives you the chance to buy a share of your home. Properties are available from 25% of the home’s value, and pay a subsidised monthly rent for the remaining share. In some cases you can staircase to 100%. You can buy a home through Shared Ownership if you;

  • Can’t afford to buy on the open market and at least 18 years old
  • Have a household income of less than £80,000 per year
  • Have at least £1,500 of savings to cover the one-off costs (things like solicitor fees). Remember this doesn't include mortgage deposits or stamp duty (if applicable). Most schemes will require you to have a deposit of at least 5% of the share you are buying.

With Shared Ownership you can buy a newly built home or an existing one through resale programmes from housing associations like us. You’ll need to take out a mortgage to pay for your share of the home’s purchase price, or in some cases fund this through your savings. Shared Ownership properties are always leasehold. 

To check if you qualify and find all the details see the Shared Ownership website here. If you're eligible and interested let us know and we'll help you to get started or answer any further questions.

To see our Shared Ownership properties click here.