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If you are unable to buy a property on the open market and thought you would never be able to own your own home, think again. Shared ownership lets you purchase a 'share' in your home and pay a subsidised rent on the remaining share.
Buying a shared ownership home is an affordable option as it means you need a smaller mortgage and a smaller deposit. In many cases it can be cheaper than renting a home privately. Find out more.
It can be difficult to get onto the property ladder and many buyers are stuck renting while they struggle to save for a deposit. With shared ownership, you only need to raise a deposit for the share you are buying, so it's much more affordable.
It generally works out cheaper per month to buy your own shared ownership home than renting a similar property privately.
If you have a household income of less than £60,000 you could be eligible for shared ownership. Find out more.
We've compared the monthly costs of buying outright or renting privately with buying a home under shared ownership. This example is based on one of our new two bedroom houses in Marston Moretaine, Bedfordshire, which have a full market value of £150,000.
* Based on an average repayment mortgage over 25 years at 6%. Rent for shared ownership is based on 2.75% of the un owned share per annum. Deposits are based at 10% of the purchase price. Private rent is based on an independent valuation.