188体育

Find out about buying a home through shared ownership. Read about who can apply, costs, paying rent, buying more shares and repairing and selling your home.

• How shared ownership works

  You can buy a home through the shared ownership scheme if you cannot鈥�

• Who can apply

  You can buy a home through shared ownership if both of the following are鈥�

• Costs

  You鈥檒l need to plan for all the costs when buying a home. When you鈥檝e鈥�

• Paying rent

  For a shared ownership home, you need to pay rent to your landlord for the鈥�

• Apply

  There are 4 steps to apply for a shared ownership home. 1. Check if you鈥�

• Finding a shared ownership home

  There are several places where you can search for shared ownership homes鈥�

• Repairs and home improvements

  You will need to pay for repairs and maintenance no matter what share you鈥�

• Buying more shares ('staircasing')

  You can buy more shares in your home after you become the owner. This is鈥�

• Selling your home

  You can sell your shared ownership home at any time. If you own 100% of鈥�

• Renting out all or part of your home (subletting)

  You can normally rent out (sublet) a room in the home, but you must live鈥�

Rent a property at a discount to help with the cost of saving for a deposit to buy a home. Information on who is eligible and how to apply.

• Overview

  Rent to Buy helps tenants in England save for a deposit to buy a home by鈥�

• Eligibility

  To be eligible for Rent to Buy, you must be: in full or part time鈥�

• How the scheme works

  You apply to rent a property that is in the scheme. If you鈥檙e considered鈥�

• How to apply

  If you live in England (excluding London), you can search for鈥�

• Buying a home

  You can use the deposit you鈥檝e saved to buy any home, including those鈥�

You can no longer apply for a Help to Buy: Equity Loan - find out about interest rates and how to manage your Help to Buy: Equity Loan.

How to manage or make changes to your equity loan, including how to repay or remortgage, sublet, alter or change ownership of your Help to Buy home.

• Updated: 7 October 2024

The home of Homes England on 188体育. As the government鈥檚 housing and regeneration agency we believe that affordable, quality homes in well-designed places are key to improving people鈥檚 lives. Together with our partners, we鈥檙鈥�

• Updated: 1 December 2024

How to fully or partly repay your equity loan - with your own money, when you sell your home or when you remortgage.

The process you need to follow to repay your Help to Buy: Equity Loan when you decide to sell your home.

• Updated: 23 November 2023

How to repay your Help to Buy: Equity Loan, either in full or in part, when you remortgage your home.

• Updated: 23 November 2023

You can no longer apply for the Help to Build Equity Loan. Find out what happens after you鈥檝e applied and how to make a complaint.

Acquisition of Broad Marsh site signals boost for city鈥檚 regeneration vision鈥� and the start of major redevelopment in Nottingham

• Updated: 31 March 2025