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If you can’t quite afford the mortgage on 100% of a home, Help to Buy: Shared Ownership offers the chance to buy a share in a Property (between 25% and 75% of the home’s value) and pay rent on the remaining share. Depending on the provisions of the Shared Ownership Lease it may be possible to acquire further shares depending on the initial percentage share purchased or even in some cases; to majority ie final percentage, therefore staircasing to 100%, when you can afford to.

Alternatively you could buy a home through Help to Buy: Shared Ownership in England if:

  • your household satisfies the income criteria and earns £80,000 a year or less outside London, or your household earns £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

With Help to Buy: Shared Ownership you can buy a newly built home or an existing one through resale programmes from housing associations. You’ll need to take out a mortgage to pay for your share of the home’s purchase price, or fund this through your savings. Shared Ownership properties are always leasehold.

Military personnel are given priority over other groups through government funded shared ownership schemes. However, Local Authorities have their own shared ownership home-building programmes which may have some priority groups, based on local housing needs.

Older people

Can purchase under another home ownership scheme called Older People’s Shared Ownership if aged 55 or over.

It works in the same way as the general Shared Ownership scheme, but you can only buy up to 75% of your home. Once you own 75% you won’t have to pay rent on the remaining share.