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]

Priority will go those who live/work in the South Bucks local authority area.

You are eligible to purchase a Home Reach property in England or Wales if:

Your household income does not exceed £80,000 per annum for homes outside of London (£90,000 in London)
You have a deposit (at least 5% of the share value)
You are a first-time buyer or used to own a home, but cannot afford to buy outright now
The shared ownership property will be your principle and only home
You have passed a financial assessment, demonstrating you are financially able to purchase the minimum share value and support the monthly costs.

To be eligible for shared ownership you would need to meet the following criteria:

• Your household income does not exceed £80,000

• You have a deposit of at least 5% of the share value

• You do not own another property or have your name on the deeds or a mortgage for a property worldwide.

• This will be your only residence.

• You are a permanent UK resident or have indefinite right to remain.

Please note the minimum share you can purchase can vary depending on your financial situation and you may be asked to purchase a larger share, should your personal circumstances permit.

To be eligible for shared ownership you would need to meet the following criteria:

• Your household income does not exceed £80,000

• You have a deposit of at least 5% of the share value

• You do not own another property or have your name on the deeds or a mortgage for a property worldwide.

• This will be your only residence.

• You are a permanent UK resident or have indefinite right to remain.

Please note the minimum share you can purchase can vary depending on your financial situation and you may be asked to purchase a larger share, should your personal circumstances permit.

To be eligible for shared ownership you would need to meet the following criteria:

• Your household income does not exceed £80,000

• You have a deposit of at least 5% of the share value

• You do not own another property or have your name on the deeds or a mortgage for a property worldwide.

• This will be your only residence.

• You are a permanent UK resident or have indefinite right to remain.

Please note the minimum share you can purchase can vary depending on your financial situation and you may be asked to purchase a larger share, should your personal circumstances permit.

To be eligible for shared ownership you would need to meet the following criteria:

• Your household income does not exceed £80,000

• You have a deposit of at least 5% of the share value

• You do not own another property or have your name on the deeds or a mortgage for a property worldwide.

• This will be your only residence.

• You are a permanent UK resident or have indefinite right to remain.

Please note the minimum share you can purchase can vary depending on your financial situation and you may be asked to purchase a larger share, should your personal circumstances permit.

Our homes are available through our shared ownership scheme; a part-buy, part-rent scheme making it easier and more affordable for you to get on the property ladder. With shared ownership, there is no need to save up an extortionate deposit and your monthly repayments will be affordable to you!

To qualify for shared ownership, there are few boxes you need to tick:

You are not currently a homeowner.
You have a household income of less than £80,000.
You have a sufficient deposit (a minimum of 5%) for the percentage of the home you'd like a mortgage for.
You can prove you can afford the monthly mortgage repayments.

Our homes are available through our shared ownership scheme; a part-buy, part-rent scheme making it easier and more affordable for you to get on the property ladder. With shared ownership, there is no need to save up an extortionate deposit and your monthly repayments will be affordable to you!

To qualify for shared ownership, there are few boxes you need to tick:

• You are not currently a homeowner.
• You have a household income of less than £90,000.
• You have a sufficient deposit (a minimum of 5%) for the percentage of the home you'd like a mortgage for.
• You can prove you can afford the monthly mortgage repayments.

Our homes are available through our shared ownership scheme; a part-buy, part-rent scheme making it easier and more affordable for you to get on the property ladder. With shared ownership, there is no need to save up an extortionate deposit and your monthly repayments will be affordable to you!

To qualify for shared ownership, there are few boxes you need to tick:

You are not currently a homeowner.
You have a household income of less than £80,000.
You have a sufficient deposit (a minimum of 5%) for the percentage of the home you'd like a mortgage for.
You can prove you can afford the monthly mortgage repayments.

Our homes are available through our shared ownership scheme; a part-buy, part-rent scheme making it easier and more affordable for you to get on the property ladder. With shared ownership, there is no need to save up an extortionate deposit and your monthly repayments will be affordable to you!

To qualify for shared ownership, there are few boxes you need to tick:

You are not currently a homeowner.
You have a household income of less than £80,000.
You have a sufficient deposit (a minimum of 5%) for the percentage of the home you'd like a mortgage for.
You can prove you can afford the monthly mortgage repayments.

Our homes are available through our shared ownership scheme; a part-buy, part-rent scheme making it easier and more affordable for you to get on the property ladder. With shared ownership, there is no need to save up an extortionate deposit and your monthly repayments will be affordable to you!

To qualify for shared ownership, there are few boxes you need to tick:

• You are not currently a homeowner.
• You have a household income of less than £90,000.
• You have a sufficient deposit (a minimum of 5%) for the percentage of the home you'd like a mortgage for.
• You can prove you can afford the monthly mortgage repayments.

Our homes are available through our shared ownership scheme; a part-buy, part-rent scheme making it easier and more affordable for you to get on the property ladder. With shared ownership, there is no need to save up an extortionate deposit and your monthly repayments will be affordable to you!

To qualify for shared ownership, there are few boxes you need to tick:

• You are not currently a homeowner.
• You have a household income of less than £90,000.
• You have a sufficient deposit (a minimum of 5%) for the percentage of the home you'd like a mortgage for.
• You can prove you can afford the monthly mortgage repayments.

You cannot currently own a property or have a legal interest in a property.
You cannot have a household income of over £80,000.
You must be approved by the Help To Buy Agent – you can register on www.helptobuyese.org.uk

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.