Shared Ownership and Right to Buy

Struggling to get on the property ladder? Schemes are available that may be just right for you. We work with lenders who support the Shared Ownership Scheme and the Right to Buy Scheme.

What is Shared Ownership?

Shared Ownership allows first time buyers and those who do not currently own a home the opportunity to purchase a share in a property. The Housing Association or Local Authority will own the outstanding share in the property, and you will pay them rent for this portion. Conditions apply and based on the English scheme only. More details can be found at

What is Right to Buy?

The Right to Buy scheme helps eligible council and housing association tenants in England to buy their home with a discount of up to £110,500 (£82,800 outside London). Conditions apply and based on the English scheme only.  Right to Buy rules differ in Northern Ireland  and the scheme is not available in Wales and Scotland.  More details can be found at

A Mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

This firm usually charges a fee for mortgage advice. The amount of the fee will depend upon your needs and circumstances. This will be discussed and agreed with you at the earliest opportunity.