If you’re looking for an affordable way to buy a home, shared ownership could be just the thing for you.
When you purchase a home through shared ownership, you will pay for a percentage share of the home. This is usually between 10% and 75% of the full market value.
You will typically pay for the percentage share of your home with a mortgage, so you must consider if you can afford these repayments.
On the remaining share, you enter into a lease agreement with us and agree to pay rent and a service charge.
Find out more by clicking on one of the categories below.
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Who qualifies?
You can buy a home through shared ownership if both of the following apply:
- Your household income is £80,000 a year or less (£90,000 a year or less in London).
- You cannot afford all the deposit and mortgage payments for a home that meets your needs.
One of the following must also be true:
- You’re a first-time buyer.
- You used to own a home but cannot afford one now.
- You own a home and want to move but cannot afford a new home suitable for your needs.
- You’re forming a new household – for example, after a relationship breakdown.
- You cannot afford to buy a home on the open market.
- You’re an existing shared owner and want to move.
How can you apply?
So we can ensure your home purchase journey goes smoothly, we’ve put together a simple step-by-step guide to help you through the process of applying.
Before you can apply for one of our homes, you will need to complete a registration form which you can find below.
Want to increase your share?
Purchasing a further share in your home is known as staircasing. View our handy guide below to find out more.
Want to add a person to your lease?
If you are thinking about adding a new person to your shared ownership lease, there are steps you need to take.
Want to sell?
You may now be thinking of moving on and are not sure what you need to do. You can find out more about the process in the guide below.
Moving in to a newly built home?
If you are moving into a new build home, there is some important information you will need to know.
Should you need to contact us for any reason, after you have purchased your home, you will find all the useful contact information in the document below.
Here is what our shared owners have to say
"Havebury has been absolutely amazing. They have really rooted for us during this entire process and couldn't have been more helpful. The customer service has been the best, even after we moved in. Depending on your personal circumstances, and if shared ownership suits you, then go for it! We have security, in our own home, I don't think we could be happier."
