Shared Ownership

Other Housing Options - Shared Ownership.jpg

The way you access a Help to Buy agent is changing 

From 2 January 2020, you will be able to apply for help to buy schemes from one of three agents across England. This means our current Help to Buy agents’ services will shortly be replaced. 

The changes should not affect your house purchase. 

If you are buying a new home using a Help to Buy: Equity Loan, we will automatically transfer everything to your new agent, so that they can continue to support your equity loan application and house purchase. 

If you have any questions, please get in touch. 


Shared Ownership allows you to buy a share in a new home, ranging from 25% to 75%, depending on what you can afford. A housing association owns the remaining share, and you pay a reduced rent on that share.

This means that you need to get a smaller mortgage to buy the property, and will also need a smaller deposit. You can buy more shares as and when you can afford them - this is called Staircasing - and as you buy more shares, you will pay less rent. You can eventually own 100% of the property if you want to, at which point you will pay no rent at all*

You may also have to pay a service charge if, for example, the property is a flat with a communal area. Details of the rent and service charge payable for each property can be found on our website, or from the housing association who owns the other share of the property.

As a home owner, you will be responsible for the maintenance and repairs on your home. If you live in an apartment, your landlord will be responsible for the communal areas.

You can apply to buy one of these homes by filling in our online application form

Please visit the Am I Eligible page that outlines who we can help or download our Shared Ownership Fact Sheet for more information.

You can also download our Shared Ownership Quick Guide which takes you through the process in 5 easy steps.

*Please note that on some developments there is a limit on Staircasing, which means you cannot buy 100% of the property. Check with the developer if you are unsure.

If you are concerned about the costs of owning a house you can use the budget tool from The Money Advice Service which can be found on the link below.

Find out more

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