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Shared Ownership

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Shared Ownership allows you to part-buy and part-rent your home from a housing association.
The share of the property you purchase is usually between 25% and 75% (a mortgage can be secured on this percentage of the property) and you rent the remaining share from the housing association.
It is possible to increase your share of the property until you own the entire the property (with or without a mortgage). This process is called ‘staircasing’.

You could buy a home through Help to Buy: Shared Ownership if:

  • Your household annual income is £80,000 or less outside London (£90,000 or less inside London)
  • You are a first-time buyer, or used to own a home but cannot afford to buy one now, or are an existing shared owner looking to move
Contact us to discuss shared ownership mortgage options Read our shared ownership guide

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