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Shared OwnershipShared ownership – the affordable housing optionShared ownership is the main product provided by the Government to help first time buyers and other groups of people onto the housing ladder. Shared ownership does NOT mean sharing with other people who live in the same property (e.g. friends or family), rather, it is about sharing ownership with a housing association or developer. The Government refers to affordable housing options as ‘homebuy’ schemes and the two main products are:
Shared ownership properties – can I buy any home I want?Unfortunately there is no longer any funding for 'open market homebuy' schemes where you can use a shared ownership mortgage to buy any property you want. Instead, both new build homebuy and homebuy direct are confined to new build properties, but it is possible to purchase a second hand home using shared ownership in a process known as 'resales', where an existing owner sells their share to you Share to buy – how we can helpAt share to buy, we can arrange a Shared Ownership mortgage for you without charging a fee, and also have information on shared ownership properties for sale in your area. If you have been offered a shared ownership house or flat by a housing association, of have found a property on the homebuy direct scheme, we strongly suggest that you submit an agreement in principle application or use the urgent enquiry facility so that we can help you as soon as possible. Alternatively, please use the following shared ownership mortgage tools available on our site:
About share to buyShare to buy is a whole of the market mortgage brokerage specialising in shared ownership mortgages and we don't charge any fees. Our experienced staff have helped hundreds of people right across the UK to buy their first home with a shared ownership mortgage, and you can see some examples in the following case studies. Shared Ownership Case StudiesNext StepsIf you have already been offered a property by a housing association and need a shared ownership mortgage today, we recommend that you contact us through the urgent enquiry facility or submit a no-obligation agreement in principle application. Alternatively, see how much you can borrow on our Shared ownership mortgage calculator, or find out about registering for shared ownership properties and eligibility for homebuy schemes in your area. Further Reading
Shared Ownership Mortgage Tools
General information about shared ownership
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