Part-buy, part-rent your way onto the property ladder. Shared ownership makes homeownership accessible with a smaller deposit and lower monthly costs.
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Shared ownership is a government-backed scheme that helps you buy a share of a property (typically 25%–75%) and pay a subsidised rent on the remaining share. It's designed for first-time buyers and households who can't afford to buy a home outright. Over time, you can increase your share through a process called 'staircasing', eventually owning your home 100%.
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Your deposit is based on the share you buy, not the full property value — making it much more affordable.
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Buy more shares over time to increase your ownership, up to 100% in most schemes.
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Mortgage on your share plus subsidised rent is often cheaper than renting or buying outright.
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Most shared ownership homes are new builds with warranties and modern specifications.
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Unlike renting, you hold a lease and build equity in a real asset.
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Household income under £80k (£90k in London). Priority for first-time buyers and existing social tenants.
You buy a share of the property (typically between 25% and 75% of its full value) using a mortgage or savings, and pay a reduced rent to the housing association on the remaining share. You can increase your share over time through 'staircasing'.
You're generally eligible if your household income is under £80,000 (£90,000 in London), you're a first-time buyer, or you used to own a home but can't afford to buy one now. Existing social housing tenants and military personnel get priority.
Yes — most shared ownership schemes allow you to 'staircase' up to 100% ownership by buying additional shares. Some older leases may cap at 75%, so check the terms of the specific property.
You'll pay a mortgage on your share, subsidised rent on the remaining share, a service charge for communal areas, and possibly ground rent. The combined cost is usually lower than renting or buying outright.
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