How to apply

Who can apply?

You’ll usually be eligible for Shared Ownership if:

you’re aged 18 or over and are a resident in the UK
your total household income is under £90,000 a year
you’re not able to buy a home on the open market
you don’t own a property (or part of one) at the time of completing on your purchase
you have a good credit history
you have savings to cover the upfront costs, including solicitors’ fees, charges, and your deposit
for some homes, you may need to show that you live and work locally, or have a connection to the area

We also carry out standard ID and anti-money launderings checks with applicants.

Before you apply

When you start your application, we’ll ask for some basic personal details along with:

Your employer’s address
Information about any equity and outstanding mortgage on your current home (if this applies)
Details of your income, savings, and any loans
Information for any joint applicants

All your information is transmitted securely.

Apply for Shared Ownership

Once you’ve viewed a property, completed an initial financial assessment, and decided you’d like to go ahead with a reservation on a home with us, we'll ask you to complete our application form.

You'll then receive your offer letter, Key Information Documents (KIDS) explaining your lease and costs, and your offer reply form. We'll also arrange a short call or meeting to you through the next steps and answer any questions.

Find out more

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