Shared Ownership


If buying a house is currently out of reach, shared ownership can be a stepping stone towards owning your own home.

Shared Ownership is a government backed scheme that allows you to own between 25 and 75% of your own home, paying rent on the remainder, which is owned by a Housing Association.

Example Shared Ownership Structure

As well as helping you get your foot on the ladder, total monthly payments for Shared Ownership (mortgage repayment plus rent and service charge) sometimes end up being lower than either full ownership or private renting.

If you subsequently want to increase your share in your home, you can buy a bigger stake as and when circumstances allow – this is known as staircasing.

Who is eligible?

You can only apply if you don't currently own a home, or are an existing shared owner looking to move. If you're looking to buy in London your annual household earnings must not exceed £90k. Outside of London? The limit is £80k.

Separate schemes are available to people with long term disabilities, and those over 55 – get in touch to find out more.


“Being self-employed, and wanting a mortgage on a shared ownership house, I had previously found it troublesome to find a suitable lender. Justin made the whole process so much easier, giving me good, friendly advice, and finding the right mortgage for me.”

– Stephen Hitching, Essex

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