If all these statements apply to you then you are eligible for shared ownership:

• You are at least 18 years old.
• Outside of London your annual household income is less than £80,000.
• In London, your annual household income is less than £90,000.
• You don't already own another home, or if you do then you're in the process of selling it.
• You can't afford to buy a home suitable for your housing needs on the open market.
• You are not in mortgage or rent arrears.
• You can demonstrate that you have a good credit history (no bad debts or County Court Judgements).
• You can afford the regular payments and costs involved in buying a home. The total monthly costs must be less than 45% of your monthly income.

If all these statements apply to you then you are eligible for shared ownership:

• You are at least 18 years old.
• Outside of London your annual household income is less than £80,000.
• In London, your annual household income is less than £90,000.
• You don't already own another home, or if you do then you're in the process of selling it.
• You can't afford to buy a home suitable for your housing needs on the open market.
• You are not in mortgage or rent arrears.
• You can demonstrate that you have a good credit history (no bad debts or County Court Judgements).
• You can afford the regular payments and costs involved in buying a home. The total monthly costs must be less than 45% of your monthly income.

If all these statements apply to you then you are eligible for shared ownership:

• You are at least 18 years old.
• Outside of London your annual household income is less than £80,000.
• In London, your annual household income is less than £90,000.
• You don't already own another home, or if you do then you're in the process of selling it.
• You can't afford to buy a home suitable for your housing needs on the open market.
• You are not in mortgage or rent arrears.
• You can demonstrate that you have a good credit history (no bad debts or County Court Judgements).
• You can afford the regular payments and costs involved in buying a home. The total monthly costs must be less than 45% of your monthly income.

You may be eligible for this property if:

· Register your interest (pink button on the right)

· Have a passed initial financial assessment with one of the below companies:

SRC Mortgage Solutions (https://www.srcmortgagesolutions.com/)

TMP The Mortgage People (tmpmortgages.co.uk)

Mortgage Advice Bureau | UK’s leading mortgage intermediary (https://www.mortgageadvicebureau.com)

· You have a gross household income of no more than £90000 per annum when eligible to purchase.

· Live or work in the borough

· You are unable to purchase a suitable home to meet your housing needs on the open market. (Shares cannot be purchased in cash unless you are unable to obtain a mortgage due to age or religious grounds)

· You do not already own a home, or you will have sold your current home before you purchase or rent.

· To purchase this 25% minimum share you will need a minimum joint household income of £61606 and available savings of £6250 for a 5% mortgage deposit.

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.

· Household minimum income must be above £12,000

The minimum joint household income required is £85,000 per annum.

Single applicants will need savings of over £55,000 and need to be earning very close to the earnings cap of £90,000 to fit on this property, or, if earnings are less than £70,000, they will need over £100,000 in savings

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.

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.

You may be eligible for this property if:

· Register your interest (pink button on the right)

· Have a passed initial financial assessment with one of the below companies:

SRC Mortgage Solutions (https://www.srcmortgagesolutions.com/)

TMP The Mortgage People (tmpmortgages.co.uk)

Mortgage Advice Bureau | UK’s leading mortgage intermediary (https://www.mortgageadvicebureau.com)

· You have a gross household income of no more than £90000 per annum when eligible to purchase.

· Live or work in the borough

· You are unable to purchase a suitable home to meet your housing needs on the open market. (Shares cannot be purchased in cash unless you are unable to obtain a mortgage due to age or religious grounds)

· You do not already own a home, or you will have sold your current home before you purchase or rent.

· To purchase this 25% minimum share you will need a minimum joint household income of £61084 and available savings of £5938 for a 5% mortgage deposit.

As a guide you will need to have a household income of at least £63,697. You will need access to savings of at least £4,000 to cover the cost of buying the home. A minimum 5% deposit approx. £10,250. Total approximate savings required £14,250.

Important borough specific eligibility criteria

Royal Borough of Kensington & Chelsea

Only Available to Applicants Living or Working in Kensington and Chelsea.

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.

Applicants must be earning under £90,000 to be eligible.

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(s) ready to exchange.