How to apply

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.