Guide to Shared Ownership

We are shared ownership specialists

If you are struggling to get that first step on the property ladder, Shared Ownership could be the solution for you.


Our Sales Team is here to tell you everything you need to know about Shared Ownership.


What is Shared Ownership?

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Shared Ownership is a part-buy, part-rent Government-backed affordable home ownership scheme that makes it easier for you to take the first step onto the property ladder.


You purchase a share in a property, usually between 25% – 75%, and pay an affordable rent on the share that you do not own.


The share you can purchase will be decided by an Affordability Calculator. This looks at your current income, debt repayments and deposit. Your financial advisor will also be involved in assessing what share is affordable for you to purchase based on your financial circumstances and what a bank or building society is willing to lend.





You could buy a home through Shared Ownership in England if:


  • your household earns £80,000 a year or less or £90,000 a year or less in London
  • you are a first-time buyer, you used to own a home but can’t afford to buy one now or are an existing shared owner looking to move.


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


Only military personnel will be given priority over other groups through government funded Shared Ownership schemes. However, councils with their own shared ownership home-building programmes may have some priority groups, based on local housing needs.

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