Help to Buy:
Equity Loan

For brand new homes in England.

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Help to Buy:
Mortgage Guarantee

For new build or existing homes anywhere in the UK.

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Shared Ownership and Other Options

shared ownership estate

Shared Ownership and Other Options

These are other Government schemes to help you become a home owner:

  • Shared ownership (part buy/part rent). This includes options for older people and for people with long term disabilities.
  • Help to Buy ISA.
  • Right to Buy

There are also other schemes, for example Discounted Market Scheme in London and other home ownership schemes supported by your local authority. Contact us if you would like more information on 01373 823374.

Available Options

Shared ownership schemes (part buy/part rent) are provided through housing associations. You buy a share of your home (between 25% and 75% of the home's value) and pay rent on the remaining share. You can buy bigger shares at a later stage when you can afford to.

With shared ownership you can buy a newly built home or an existing one through resale programmes from housing associations.

You'll need to take out a mortgage to pay for your share of the home's purchase price, or fund this through your savings.

If you rent a council or housing association property, then you will receive priority for buying a home through shared ownership. The same priority is given to Armed Forces personnel.

Local authorities with shared ownership home building programmes may have further priority groups, based on local housing needs, such as people already living or working in the area.

Applying for a shared ownership scheme

To buy a home through a shared ownership scheme contact the Help to Buy agent in the area you want to live.

You can also find out further information about shared ownership on

If you are a council tenant with at least five years' tenancy you might be eligible to buy your home at a significant discount. Some housing association tenants may also be eligible. To check your eligibility and find out more visit Right to Buy.