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What Is Help to Buy?

Help to Buy is a government initiative aimed at helping hard-working people like you secure your first or next dream home. Shared Ownership can help  those with a lower borrowing capacity, and the new Mortgage Guarantee Scheme can help where you only have a 5% deposit. To explore the schemes in more detail, please call 0330 133 2981.


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Shared Ownership

If you can’t quite afford the mortgage on 100% of a home, Help to Buy: Shared Ownership offers you the chance to buy a share of your home (between 25% and 75% of the home’s value) and pay rent on the remaining share. As you build up equity, save more money or your income increases, you can buy additional shares in your home. Most housing associations will allow you to increase your share until you own 100%.

Shared Ownership allows you to buy a newly built home or an existing one through resale programmes from housing associations. You’ll need a mortgage to pay for your share of the home’s purchase price, or fund this through your savings. Shared Ownership properties are always leasehold.


Shared Ownership

Eligibility criteria

Your household earns £80,000 a year or less outside London, or your household earns £90,000 a year or less in London


You are a first-time buyer, you used to own a home but can’t afford to buy one now or are an existing shared owner looking to move.

You must pass the Homes England affordability check. We can assist you with this.


Think carefully before securing other debts against your property. Your home may be repossessed if you do not keep up repayments on your mortgage.

Some buy to let mortgages are not regulated by the financial conduct authority.

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