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Shared Ownership

If you can't quite afford the mortgage on 100% of a home, ‘Help to Buy: Shared Ownership’ offers you the chance to buy a share of your home (between 25% and 75% of the home's value) and pay rent on the remaining share. Later on, you could buy bigger shares when you can afford to.

You could buy a home through ‘Help to Buy: Shared Ownership’ in England if:

  • Your household 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 programs 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.

Only military personnel will be given priority over other groups through government-funded shared ownership schemes. However, councils with their own shared ownership home-building programs may have some priority groups, based on local housing needs