Find a home with HOLD and buying schemes

To be eligible for HOLD, you must meet certain criteria, including:

• Applicants must receive Enhanced or Standard Daily Living Personal Independence Payment (PIP) or Disability Living Allowance (DLA).
• You will need to pay a 5% deposit plus fees with a mortgage cap of £100,000.
• Applicants should be unable to work in conventional employment for more than 12 hours per week.

The maximum mortgage applicants can secure is £100,000, meaning you/the applicant would need a minimum deposit of £5,000 for your share of the property. However, applicants will also need to cover fees amounting to around £12,000 – £15,000 (including the deposit). Approximately £30 will also be required weekly to contribute to the applicant’s housing costs.

When starting your home search for HOLD, the first step is to check for available Shared Ownership properties in your area. If no suitable Shared Ownership properties are available, eligible applicants may be able to purchase a property from the open market. This decision is at the discretion of the housing association managing the region where the property is being purchased.

Share to Buy list thousands of properties available through affordable homeownership schemes across the country. To search for homes in your local area, visit our property search tool.

Shared Ownership is a government scheme that allows buyers to purchase a share in a property, usually between 10% and 75%, while paying a reduced market rent to a housing association on the remainder. The scheme gives first time buyers and those that do not currently own a home the opportunity to purchase a share in a new-build or resales property.

Share to Buy list thousands of Shared Ownership homes across the country, including both new-build and resale properties. Shared Ownership is available on a variety of property types including cosy studios, stylish apartments and traditional family homes.