Shared ownership made simple
Buying a home is a big moment, and it’s natural to have questions — especially when it comes to shared ownership. This page is designed to give you calm, clear information at every step. No jargon. No pressure. Just the facts, explained in a way that feels easy and reassuring.
Whether you're just starting your journey or you’re comparing your options, you’ll find everything you need right here.
It shouldn't feel complicated
Shared ownership is designed to make owning a home feel more achievable. Instead of buying everything at once, you buy a share that suits you and pay a reduced rent on the rest. It means a smaller deposit, a smaller mortgage and a clearer path to the place you want to call home.
Whether you’re taking your first step or coming back to the market after a break, it’s a calm and flexible way to get started.
Frequently asked questions
Shared ownership can feel confusing, especially with so many mixed messages online. Here, we give clear and calm answers. No scare stories. No jargon. Just the truth, so you can make your own decisions with confidence.
Mortgages and starting your buying journey
If mortgages feel confusing, you’re not alone. Many buyers worry about deposits, credit history or where to start. The good news is there are often more options than you expect, especially with expert advice. We can connect you with trusted advisers and solicitors experienced in shared ownership. Just get in touch and we'll be happy to help.
Mortgages and starting your buying journey
If mortgages feel confusing, you’re not alone. Many buyers worry about deposits, credit history or where to start. The good news is there are often more options than you expect, especially with expert advice. We can connect you with trusted advisers and solicitors experienced in shared ownership. Just get in touch and we'll be happy to help.
How the costs work
Knowing what you’ll pay each month should feel simple. That’s why we break everything down, from your mortgage and rent to service charges and the things you’ll need to budget for.
We explain how rent is calculated, what else you will need to budget for and other associated buying costs. No jargon. No confusion. Just clear numbers that help you plan confidently.
Service charges explained
Service charges cover the shared areas that keep your building running smoothly, things like cleaning, grounds care, buildings insurance and long‑term maintenance.
We show exactly what’s included, why charges change and how they’re regulated. It’s all about transparency, so you always feel informed and in control.
Check out the government website for independent guidance on service charges and the rules that protect you.
What if something goes wrong?
Moving into a brand‑new home should feel exciting. If something needs attention once you’ve settled in, our Customer Care team is here to support you. From minor snags to repairs and warranties, you’ll find clear, straightforward guidance on what to do and who to contact.
Visit our Customer Care page to see how we look after you and your home, long after you’ve moved in.
Staircasing
As life changes, your home can grow with you. Staircasing lets you buy more of your home in stages, whether that’s a small step or a bigger one. Each time you increase your share, your rent goes down.
There’s no pressure and no fixed timeline. Just flexibility that puts you firmly in control of your future.
Time to move?
Shared ownership doesn’t lock you in. You can sell your home whenever you’re ready. Whether you are looking to move somewhere new, upsizing or staircasing to full ownership we are here to guide you through the process clearly, so you always know what to expect.
It’s your home, and your journey - from start to finish.