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Shared Ownership
The Shared Ownership scheme is designed to help first-time buyers purchase affordable new build houses. Find out how you can benefit from part buy part rent today.
Download your Shared Ownership Scheme guide
Feeling lost on Shared Ownership? Download our free guide for all the information you need on the Shared Ownership Scheme. We have collaborated with our friends at Share to Buy to give you all the facts you'll need to make that all important decsion. 

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Shared Ownership Scheme Guide

What is Shared Ownership?
What is Shared Ownership?
Shared Ownership (or Help to Buy: Shared Ownership, to give it its full name) is aimed at buyers unable to afford to purchase a home on the open market.

This scheme is also hugely relevant to first-time buyers in London considering London high property prices.

You begin with buying a percentage of the property using a deposit, and pay rent on the remainder...

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Does stamp duty apply to Shared Ownership?
There are two ways of paying stamp duty on a Shared Ownership home but here’s a summary of the two options...

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Does stamp duty apply to Shared Ownership?

What is the difference between Shared Ownership and shared equity?
What is the difference between Shared Ownership and shared equity? 
Shared Ownership and shared equity may sound alike but are actually very different schemes. Both schemes are aimed at people who cannot afford to buy a home on the open market.

Which scheme is most suitable for you depends on your circumstances, where you hope to buy, and your income. With both schemes, you should do your calculations carefully before committing to a purchase...

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Will you ever fully own the property?
Buying an increased share of your home – known as staircasing – depends on whether you want to and whether you can afford it, there’s no obligation.

You can find out more details about staircasing in our guide...

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Fully owning your Shared Ownership property

Selling a Shared Ownership home
Selling your Shared Ownership home
Selling your Shared Ownership property, whether you own all of it or only part of the home, is slightly more complicated than selling a property on the open market.

It's not as simple as having your home valued and appointing an agent. The first step is to contact your housing provider and inform them in writing of your intention to sell...

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Is Shared Ownership available for older people?
Most older buyers would think that they are automatically ruled out of shared ownership schemes, but that isn't the case. You must be 55 or over to qualify for the Older Person's Shared Ownership scheme, not own another property, and be able to meet the mortgage payments.

This scheme is specifically designed for older buyers, and works in much the same way as the regular system...

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Shared Ownership for older people

Shared Ownership homes by area
How does Shared Ownership help first-time buyers?
Case Studies
Riddell Court (Latimer)
27 April 2017
Eamonn Kenny, a property professional, felt trapped in a shared home as renting his own flat or buying were too costly until he discovered Shared...

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Emma Gilbert (Network Homes)
27 February 2017
Emma Gilbert never thought she would be able to buy in Dalston where she had been renting for five years' but Shared Ownership has made it possib...

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Karl in his new home
14 November 2016
Shared ownership has helped Karl Walsh find an ideal new home for his and his children's needs at Network Homes' Hartham Place development in Her...

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Recent News
7 August 2017
What is Shared Ownership? How does it work? All your questions about the government's Shared Ownership scheme answered

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Scala (Network Homes)
3 August 2017
The team takes a look around the UK at this week's range of new homes launches, events and offers...

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'Staircasing' on Shared Ownership mortgages
31 July 2017
The WhatHouse? team has put together a guide to tell you all you need to know about increasing your share of a Shared Ownership home...

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