Shared Ownership is designed to help people who cannot afford to purchase a home outright. With Shared Ownership you buy a share of the property and pay rent on the remaining portion usually to a housing association. Up to four people can become joint owners but all prospective owners must individually and jointly meet the eligibility criteria.

Housing associations are non-profit making organisations providing and managing homes for rent or sale for people in housing need. Most housing associations operate with the help of public money given by the Homes and Communities Agency (formerly the Housing Corporation) or a local authority. Housing associations registered with the Homes and Communities Agency are legally known as registered social landlords.

Our Shared Ownership mortgage products are available on residential owner-occupied property (excluding flats) in Nottinghamshire, Derbyshire, South Yorkshire, Lincolnshire, Leicestershire, Northamptonshire, Rutland or Cambridgeshire. They are available for qualifying applicants purchasing property on a shared ownership basis from housing associations registered with the Homes and Communities Agency.