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How to apply

The new-build shared ownership scheme (also known as 'part buy, part rent') is designed to help people to buy a home. We usually give priority to people who live or work in the borough where the property is. This means you will have a greater chance of buying a home in the borough where you live or work.

Priority groups include:

  • first-time buyers
  • Ministry of Defense personnel
  • council or housing association tenants (if this applies to you, you must agree to leave your current home when the sale is complete to get high-priority status on our list), and
  • local authority priority groups

Each housing scheme will have its own conditions for who is able to apply. We will tell you what these are when you book a viewing. However, anyone who meets the basic criteria may be able to buy a home.

Do you meet the criteria?

  • You must not be able to afford to buy a home suitable for your housing needs on the open market.
  • You cannot buy a shared-ownership home if you already own a home.
  • If you are an existing homeowner we won't be able to allocate you a home unless you have started advertising your existing home and have the approval of your local authority to purchase through the shared ownership scheme.
  • You must be employed on a permanent contract.
  • You will also need a deposit by your mortgage lender, typically 10% of the asking price, dependent on the lender and your financial circumstances.


You must be a British, EU or EEA citizen, or have indefinite leave to remain in the UK (you can stay without restrictions). If you do not have indefinite leave to remain and want to buy a home with us, you must be able to prove that you can:

  • raise a mortgage with an acceptable lender
  • afford to keep your home in the long term
  • provide a reference from a UK bank, and
  • provide a current landlord reference.

Household income

You must be able to afford to pay your mortgage and rent. As a rough guide, this means a household income of at least:

  • £19,000 a year, if you're single
  • £21,000 a year, if you're applying as a couple, and
  • an extra £2,400 for each child or dependent living with you.

For example:

  • a single parent with one child will need a minimum income of £21,400 (£19,000 plus £2,400 for the child), and
  • a couple with two children will need a minimum income of £25,800 (£21,000 plus £2,400 for each child)

The minimum incomes shown are enough to buy a 25% share in one of our less expensive homes (for most homes you will need a higher income. You'll also need a higher income if you pay loans, childcare and so on).

If you have savings to put towards the price of the home, you may be able to apply with a lower income.


In addition to the deposit, you must have savings of at least £3,000 to cover:

  • legal costs
  • survey fees
  • mortgage arrangements
  • stamp duty (if applicable), and
  • moving-in costs.

How to apply

If you are interested in any of our current or future properties, please phone the Sales team on 01932 235801 or email We will keep you updated on our property launch days.

Looking to buy in London?

If you are looking to buy in any London Borough the best way to find out more information is to register with Share To Buy.

Looking to buy in Surrey or Middlesex?

If you are looking to buy in these areas, you also need to register with Help to Buy, which is the local HomeBuy agent. Phone 0333 321 4044.

Registering with the local authority

Some local authorities need you to be registered on their common housing register.

Find your local authority

Then contact the local authority for a Housing Application form if applicable.

Need to find out more?

For more information about new-build shared ownership, phone us on 01932 235801 or email

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