Shared Ownership


If you dream of owning your own home but would struggle to pay a full mortgage, you might find Shared Ownership gives you just the helping hand you need.

Shared Ownership offers a great opportunity to buy a newly-built house. You buy a share of the cost of the property (usually with a mortgage) and then pay rent on the remaining amount. Over time you may be able to buy extra shares so that, ultimately, you own your home outright.

See what homes we have available now and think if Shared Ownership could be right for you. We also have a useful leaflet, A guide to Shared Ownership, saved in our ‘Library’.

Who can apply?

Shared Ownership is open to households earning less than £80,000 a year who would otherwise be unable to buy a home.

It is only available for certain properties in some areas of England, but we regularly have Shared Ownership homes available.  Priority will be given to those who are currently serving in the British Armed Forces. Further eligibility requirements are available from the Help to Buy Agent.

If you’re interested, your first step is to register with the Help to Buy Agent directly:

You will also find a very helpful calculator on their pages, which will help you to work out the costs involved and decide if you can afford Shared Ownership.

Read more about what’s involved and your rights and responsibilities as a shared owner.

If you decide to go ahead, you may find the list of recommended service providers in ‘Downloads and links’ helpful, as suggestions of independent financial advisors and solicitors to start you off.

For further information about the Shared Ownership opportunities at Two Rivers Housing, please contact our Home Ownership team by phone or by email.