Shared Ownership

Get on the Property Ladder with Help to Buy: Shared Ownership

Struggling to afford a mortgage on 100% of a home? The Help to Buy: Shared Ownership scheme could be the solution. It allows you to buy a share of a property—between 25% and 75% of its value—while paying rent on the remaining portion. When you're ready, you can increase your share over time until you own more, or even all, of the home.

Who Can Use the Shared Ownership Scheme in England?

You may be eligible if:

✅ Your household earns £80,000 or less per year outside London (or £90,000 or less in London).

✅ You’re a first-time buyer, a former homeowner who can’t afford to buy now, or an existing shared owner looking to move.

Who Can Use the Shared Ownership Scheme in Wales?

You may be eligible if:

✅ Your household earns £60,000 or less per year 

✅ You’re a first-time buyer, a former homeowner who can’t afford to buy now (after a divorce, for example), or relocating for work purposes to an area where property prices do not allow you to buy a home suitable for your family size.