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How to apply

Thinking of starting your Shared Ownership journey? We’ve broken down the steps you’ll need to take to get the ball rolling.

Shared Ownership is designed for people who can’t afford to buy a home that suits their needs on the open market. There are some eligibility requirements that must be met before we can offer you a home on the Shared Ownership scheme, such as age and income.

Shared Ownership criteria:

  • you must be aged 18 or over
  • your annual household income must be less than £80,000 (£90,000 if you're in London)
  • you should be a first-time buyer (or, if you do already own a home, you must be in the process of selling it)
  • you should not be able to afford a home suitable to your needs on the open market
  • you will need at least a 5% deposit of the share that you're purchasing.

Some local authorities also request a local connection. This means that you must currently live in, near or have a connection with the area the home is located. We highlight on our property pages when a local connection is needed, but you can find out more on our Help and Advice section.

Find out more

I've found a Shared Ownership home I like, what's next? 

If you're interested in buying a home with Shared Ownership, you'll need to:

  • register your interest on our website for the property you like
  • wait for the call from our Sales team who will discuss the next steps. This will include speaking to our nominated Mortgage Advisor for a free assessment and to discuss potential monthly payments and mortgage options.

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