We help hundreds of buyers every year to achieve their dream of owning their own home.  

Shared ownership enables people who are unable to buy on the open market to take their first step onto the property ladder

Shared ownership, or part buy/part rent, is available on brand new homes. You can buy a share worth between 25% and 75% of the property's value and pay us a subsidised rent on the remaining share.

You will need a small deposit to buy your share, starting from 5% of the share you buy or more, and you will need to raise a mortgage on the rest. We are sometimes able to help previous home owners who have equity from the sale of a previous property.

Over time, you can usually buy more shares until you own 100% of the property. As well as brand new homes, shared ownership is also available on second hand homes, also known as resales.

To be eligible to purchase a shared ownership home:

  • Your annual household income can be no more than £80,000 (for London boroughs this is £90,000).
  • You should be unable to purchase a home suitable for your needs without assistance.
  • You must not have any outstanding credit issues (i.e. unsatisfied defaults or county court judgments).
  • You must be a first time buyer. If you already own a home and need to move but cannot afford to, please contact us. There may be some circumstances under which you could be eligible.