• 18-35 Years Old
• Single Occupant
• Earning at least London Living Wage

WHAT IS SHARED OWNERSHIP ?
Shared Ownership is a housing scheme designed to help homebuyers who are unable to afford the cost of buying a property outright on the open market. Properties may be sold off-plan or new build direct from housing associations, or pre-owned from existing shared owners. The rules and terms of the scheme are set by the Greater London Authority (GLA) in London and the Homes and Communities Agency (HCA) outside of London.

IS SHARED OWNERSHIP FOR YOU ?
The GLA and HCA set the eligibility criteria for Shared Ownership, but broadly speaking you must:
 Not own another property in the UK or any other country.
 Have a household income that falls below £90,000 (£80,000 threshold outside the M25). Every property will have a minimum income level too, determined by its’ value, rent and service charge costs. In most cases you will need to meet or exceed the given minimum income.
 Have access to a minimum deposit of 10% of the share being purchased (a minimum deposit of 5% of the share being purchased may be acceptable depending on individual financial status).
 Be in full time permanent employment.
 Be a British, EU or EEA Citizen or have indefinite leave to remain in the UK.
 Have a good credit history.
If you are still unsure about Shared Ownership or would like more information view[ Facts and Frequently Asked Questions]

WHAT IS SHARED OWNERSHIP ?
Shared Ownership is a housing scheme designed to help homebuyers who are unable to afford the cost of buying a property outright on the open market. Properties may be sold off-plan or new build direct from housing associations, or pre-owned from existing shared owners. The rules and terms of the scheme are set by the Greater London Authority (GLA) in London and the Homes and Communities Agency (HCA) outside of London.

IS SHARED OWNERSHIP FOR YOU ?
The GLA and HCA set the eligibility criteria for Shared Ownership, but broadly speaking you must:
 Not own another property in the UK or any other country.
 Have a household income that falls below £90,000 (£80,000 threshold outside the M25). Every property will have a minimum income level too, determined by its’ value, rent and service charge costs. In most cases you will need to meet or exceed the given minimum income.
 Have access to a minimum deposit of 10% of the share being purchased (a minimum deposit of 5% of the share being purchased may be acceptable depending on individual financial status).
 Be in full time permanent employment.
 Be a British, EU or EEA Citizen or have indefinite leave to remain in the UK.
 Have a good credit history.
If you are still unsure about Shared Ownership or would like more information view[ Facts and Frequently Asked Questions]

Eligible purchasers should earn no more than £90k per annuum (as a household) at the point of purchase and be a first time buyer.

Applications are now on a first come first serve basis.

Eligibility

You may be eligible for this property if:

You have a gross household income of no more than £90,000 per annum when eligible to purchase.
You are unable to purchase a suitable home to meet your housing needs on the open market.
You do not already own a home or you will have sold your current home before you purchase or rent.

Priority isgiven toapplicants living or working in Wandsworth Borough Council.

You will need to be earning a guidance income of £58,600. You will need access to savings of at least £4,000 to cover the cost of buying the home. A minimum 10% deposit approx. £17,150. Total approximate savings required £21,150.

Important borough specific eligibility criteria

Lambeth
All London applicants will be considered with priority given to people who live/work in the borough.

Applicants must be earning under £90,000 to be eligible for one, two and three bedroom apartments.

If you are an existing homeowner we will not be able to allocate you a home unless you have found a buyer for your existing home and are deemed to be in need of housing by your local council.

You will need to be earning a guidance income of £51,504. You will need access to savings of at least £4,000 to cover the cost of buying the home. A minimum 10% deposit approx. £14,600. Total approximate savings required £18,600.

Important borough specific eligibility criteria

Council
Lambeth

All London Applicants will be considered with priority given to people who live/work in Lambeth

Applicants must be earning under £90,000 to be eligible for one, two and three bedroom apartments.

If you are an existing homeowner we will not be able to allocate you a home unless you have found a buyer for your existing home and are deemed to be in need of housing by your local council.

You may be eligible for this property if:

• You have a gross household income of no more than £90,000 per annum.
• You are unable to purchase a suitable home to meet your housing needs on the open market.
• You do not already own a home or you will have sold your current home before you purchase or rent.

Please note: Applicants must live or work within the London Borough of Wandsworth to be eligible for this property.

Reserve for just £99* -Offer EXTENDED to 31st July 2020

Reserve your dream home with Shared Ownership on or before 31st July 2020 for only £99*.

Contact Clarion Housing today and find out how easy it is to reserve your new home.

*£99 reservation fee only available on Clarion Housing Shared Ownership homes until 31st July 2020. Full T&Cs available on request.

Reserving a new home at the Albert Embankment Collection has never been more affordable. Benefit from a £250 contribution towards legal fees**

• Shared Ownership residents will have access to the concierge service, cycle storage and FREE car club membership for three years with £60 driving credit **

**Terms & Conditions apply – speak to our sales team for details. The sum of £250 will be deducted, on completion, for any reservation that exchanges within 28 days of the Memorandum of Sale (MOS) being issued.

Am I eligible?

Applications are welcome from all Greater London Authority (GLA) qualifying applicants in all boroughs of London. You must be at least 18 years old with an annual household income of less than £90,000.

Reserve for just £99* -Offer EXTENDED to 31st July 2020

Reserve your dream home with Shared Ownership on or before 31st July 2020 for only £99*.

Contact Clarion Housing today and find out how easy it is to reserve your new home.

*£99 reservation fee only available on Clarion Housing Shared Ownership homes until 31st July 2020. Full T&Cs available on request.

Reserving a new home at the Albert Embankment Collection has never been more affordable.

• Benefit from a £1,000 contribution towards legal fees (exclusively on the last-remaining Studio apartment)**
• Shared Ownership residents will have access to the concierge service, cycle storage and FREE car club membership for three years with £60 driving credit **

**Terms & Conditions apply – speak to our sales team for details. The sum of £1,000 will be deducted, on completion, for any reservation that exchanges within 28 days of the Memorandum of Sale (MOS) being issued.

Am I eligible?

Applications are welcome from all Greater London Authority (GLA) qualifying applicants in all boroughs of London. You must be at least 18 years old with an annual household income of less than £90,000.

WHAT IS SHARED OWNERSHIP ?
Shared Ownership is a housing scheme designed to help homebuyers who are unable to afford the cost of buying a property outright on the open market. Properties may be sold off-plan or new build direct from housing associations, or pre-owned from existing shared owners. The rules and terms of the scheme are set by the Greater London Authority (GLA) in London and Homes England outside of London.

IS SHARED OWNERSHIP FOR YOU ?
The GLA and Homes England set the eligibility criteria for Shared Ownership, but broadly speaking you must:
 Not own another property in the UK or any other country.
 Have a household income that falls below £90,000 (£80,000 threshold outside the M25). Every property will have a minimum income level too, determined by its’ value, rent and service charge costs. In most cases you will need to meet or exceed the given minimum income.
 Have access to a minimum deposit of 10% of the share being purchased (a minimum deposit of 5% of the share being purchased may be acceptable depending on individual financial status).
 Be in full time permanent employment.
 Be a British, EU or EEA Citizen or have indefinite leave to remain in the UK.
 Have a good credit history.
If you are still unsure about Shared Ownership or would like more information view[ Facts and Frequently Asked Questions]

You will need to be earning a guidance income of £52,835. You will need access to savings of at least £4,000 to cover the cost of buying the home. A minimum 10% deposit approx. £12,900. Total approximate savings required £16,900.

Important borough specific eligibility criteria

Wandsworth

Applicants must be earning under £90,000 to be eligible for one, two and three bedroom apartments.

If you are an existing homeowner we will not be able to allocate you a home unless you have found a buyer for your existing home and are deemed to be in need of housing by your local council.

WHAT IS SHARED OWNERSHIP ?
Shared Ownership is a housing scheme designed to help homebuyers who are unable to afford the cost of buying a property outright on the open market. Properties may be sold off-plan or new build direct from housing associations, or pre-owned from existing shared owners. The rules and terms of the scheme are set by the Greater London Authority (GLA) in London and Homes England outside of London.

IS SHARED OWNERSHIP FOR YOU ?
The GLA and Homes England set the eligibility criteria for Shared Ownership, but broadly speaking you must:
 Not own another property in the UK or any other country.
 Have a household income that falls below £90,000 (£80,000 threshold outside the M25). Every property will have a minimum income level too, determined by its’ value, rent and service charge costs. In most cases you will need to meet or exceed the given minimum income.
 Have access to a minimum deposit of 10% of the share being purchased (a minimum deposit of 5% of the share being purchased may be acceptable depending on individual financial status).
 Be in full time permanent employment.
 Be a British, EU or EEA Citizen or have indefinite leave to remain in the UK.
 Have a good credit history.
If you are still unsure about Shared Ownership or would like more information view[ Facts and Frequently Asked Questions]

Reserve for just £99* – offer EXTENDED to 31st July 2020

Reserve your dream home with Shared Ownership on or before 31st July 2020 for only £99*. Contact Clarion Housing today and find out how easy it is to reserve your new home.

Am I eligible?

• Applicants must have a household income of less than £90,000
• Priority will be given to applicants who live or work in the London Borough of Wandsworth

*£99 reservation fee only available on Clarion Housing Shared Ownership homes until 31st July 2020. Full T&Cs available on request.

Reserve for just £99* – offer EXTENDED to 31st July 2020

Reserve your dream home with Shared Ownership on or before 31st July 2020 for only £99*. Contact Clarion Housing today and find out how easy it is to reserve your new home.

Am I eligible?

• Applicants must have a household income of less than £90,000
• Priority will be given to applicants who live or work in the London Borough of Wandsworth

*£99 reservation fee only available on Clarion Housing Shared Ownership homes until 31st July 2020. Full T&Cs available on request.

Reserve for just £99* – offer EXTENDED to 31st July 2020

Reserve your dream home with Shared Ownership on or before 31st July 2020 for only £99*. Contact Clarion Housing today and find out how easy it is to reserve your new home.

Am I eligible?

• Applicants must have a household income of less than £90,000
• Priority will be given to applicants who live or work in the London Borough of Wandsworth

*£99 reservation fee only available on Clarion Housing Shared Ownership homes until 31st July 2020. Full T&Cs available on request.

Am I eligible?

• Applicants must have a household income of less than £90,000
• Priority will be given to applicants who live or work in the London Borough of Wandsworth

To be eligible to purchase a Shared Ownership home

• Your annual household income can be no more than £90,000
• You should be unable to purchase a home suitable for your needs without assistance.
• You must not have any outstanding credit issues (i.e. unsatisfied defaults or county court judgments).
• You must be a first time buyer. If you already own a home and need to move but cannot afford to, please contact us. There may be some circumstances under which you could be eligible.

The ‘Estimated total monthly cost’ for a Shared Ownership property consists of three separate elements added together:

• Rent: this is charged on the share you do not own and is usually payable to a housing association (rent is not generally payable on shared equity schemes)
• Service Charge: covers maintenance costs for the property as a whole and communal areas
• Mortgage: Share to Buy ltd are specialist Shared Ownership mortgage brokers and we use a database of daily updated mortgage rates to work out the lowest rate available for the deposit amount shown, and then generate an estimated monthly payment on a 25 year capital repayment basis.

NB: this mortgage estimate is not confirmation that you can obtain a mortgage and you will also need to satisfy the requirements of the relevant mortgage lender. Nor is this a guarantee that in practice you would be able to apply for such a rate, and nor is this a recommendation that the rate used would be the best product for you.

Shared Ownership Resales: Also known as part buy part rent on second hand homes, with this affordable home ownership scheme you purchase a share of the property and rent the remainder from the housing provider.

Shared Ownership New Build: Also known as part buy part rent, with this affordable home ownership scheme you purchase a share of a brand new property and rent the remainder from the housing provider. The price shows the minimum share available, and the size of the share you purchase will depend on what you can afford.

Affordable housing scheme: Intermediate Rent (pay a discounted rent)

Affordable housing scheme: Rent to Save (pay a discounted rent).

Rent to save is designed to enable aspiring home-owners to move into the home they have chosen, even if they have not yet been able to save a sufficient mortgage deposit. As the rent will be at a lower than market rate, you will be able to save throughout the period of your tenancy.

Affordable housing scheme: Over-55s Shared Ownership

For people aged 55 or over who are otherwise unable to afford to buy a home suitable to their needs. The scheme is similar to Shared Ownership and enables you to buy a 75% share of the home or apartment.

Affordable housing scheme: Your Home

Turn any freehold property into part-buy-part-rent with Your Home. You simply need 10% cash deposit on the full purchase price, there’s no need for a mortgage and you can buy more or move at any time plus added benefits. To find out more contact Heylo via the property page

Affordable housing scheme: Discount Market Sale

Discount Market Sale (DMS) is a low cost home ownership product where a new build property is purchased at a discounted price. This discount is usually around 20% and the scheme is to help low and middle earners get onto the property ladder.

Affordable housing scheme: Help to Buy equity loans (100% ownership but with a 20% equity loan)

Buy a new home on an approved new build development with assistance from the Government in the form of an equity loan. The equity loan is interest free for the first five years.

Affordable housing scheme: Help to Buy equity loans (100% ownership with a 40% equity loan)

Buy a new home on an approved new build development with assistance from the Government in the form of an equity loan. The equity loan is interest free for the first five years.

Affordable housing scheme: Discount Full Ownership (100% ownership at a discount)

Affordable Housing Scheme: London Help to Buy equity loan (100% ownership with up to 40% loan)

Borrow up to 40% of the purchase price from the Government with the London Help to Buy scheme. You would only need a 5% deposit and your mortgage would make up the rest.