Shared ownership

Shared ownership

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 home’s total market us

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. ShareToBuy

  • 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’re an existing shared owner and want to move.

    You can find out more by clicking the button below:

    Thinking of buying a home?
  • How can I 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.

    Guide to applying for a home

    Before you can apply for one of our homes, you will need to complete a registration form.

    Register here
  • Thinking of moving on?

    Our programme of new-build homes is the perfect starting point for people entering homeownership. However, you may now be thinking of moving and are not sure what you need to do. The following is a guide to the process.

    Thinking of moving on?
  • Home contents insurance

    Havebury does not cover your contents as part of your agreement. Therefore, it’s a good idea to consider taking out contents insurance. No matter how careful you are, there’s always a risk that your belongings could be broken, damaged or stolen. Home contents insurance can help provide peace of mind should the worst happen.

    Home contents insurance

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