Shared ownership allows you to purchase a share of a home while paying rent on the rest to the housing association or council.

How does it work?

• Purchasing a share: You buy a percentage of the property (typically between 25% and 75%).
• Mortgage and rent: You pay a mortgage on the share you own, and a below market value rent to the housing association or council for the remaining share.
• Staircasing: Over time, you can usually buy additional shares (called staircasing) to own up to 100% of the property.

Essentially, it's a way to get on the property ladder without needing a full deposit and mortgage.

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