Shared Ownership properties are provided through housing associations or local authorities. You buy a share of the home and pay subsidised rent on the remainder. You only need a deposit based on your share — not the full market value — which significantly reduces the upfront cost compared to buying outright.
Over time, you can buy additional shares in your home through a process known as staircasing, either by borrowing more from your lender or making a cash payment. Most people staircase until they own the property outright. When you contact us, we will walk you through every stage from initial eligibility through to your mortgage offer.
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To qualify you must typically have a household income of no more than £80,000 per year (£90,000 in London), be a first-time buyer or a homeowner who cannot currently afford to buy, and intend to live in the property as your main residence. Our advisers assess your full situation to confirm your eligibility and find the right lender for you.
We have broken down the shared ownership process into focused guides. Explore how the scheme works, what your costs will be, and how to increase your ownership over time.
Understand the scheme, who is eligible, how deposits work, and what to expect at each stage — from initial enquiry through to getting the keys.
Find out what mortgage rates are available for shared ownership properties and how the deposit, monthly rent and service charges all fit together.
Learn how staircasing works, how shares are valued at market rate, and when it makes sense to increase your ownership percentage.
Find out how to sell your shared ownership property, when the housing association has the right of first refusal, and how to remortgage to a better deal.
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