It’s not uncommon to be unable to afford the mortgage on 100% of a home these days. The government’s Shared Ownership scheme gives you the chance to buy a share of your home – between 10% and 75% of the home’s value - and pay rent on the remaining share. You could even buy bigger shares when you can afford it.

With Shared Ownership, part of the Help to Buy Scheme, you can buy a newly-built home or an existing one through housing associations’ resale programmes. If you need to take out a mortgage to pay for your share of the home’s purchase price, we can help you find a lender and guide through the application process.

Shared Ownership At A Glance

  • The property will be leasehold
  • Property can be a house or a flat
  • You can purchase between 25% and 75% of the property value
  • Rent will be payable to the Housing Association on the remaining share
  • Service charges could be payable in addition to the rent
  • You will also need to apply to the Housing Association
  • You can increase your share in the property through ‘staircasing’


  • Your household should earn £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

Ready to talk through your needs?