{"id":4277,"date":"2019-10-29T11:36:35","date_gmt":"2019-10-29T11:36:35","guid":{"rendered":"https:\/\/www.credit-score.com\/blog\/?p=4277"},"modified":"2022-08-23T09:16:34","modified_gmt":"2022-08-23T09:16:34","slug":"all-about-shared-ownership","status":"publish","type":"post","link":"https:\/\/www.check.co.uk\/blog\/help-to-buy\/all-about-shared-ownership\/","title":{"rendered":"All about Shared Ownership"},"content":{"rendered":"\n<p>Shared ownership is a scheme run by the government that allows first-time buyers to get a foot on the property ladder. Instead of buying the full property, you are able to buy a share of a property, allowing you to take out a smaller mortgage and put down a smaller deposit. <\/p>\n\n\n\n<p>You can increase the share that you own further down the line by following a process called \u2018<a href=\"https:\/\/www.gov.uk\/shared-ownership-scheme\/buying-more-shares-staircasing#:~:text=Help%20and%20advice-,Buying%20more%20shares%20('staircasing'),based%20on%20the%20landlord's%20share.\" target=\"_blank\" rel=\"noreferrer noopener\">staircasing<\/a>\u2019 and can eventually own 100% of the property. <\/p>\n\n\n\n<p>Shared ownership is an affordable homeownership scheme where instead of putting a deposit down and taking out a mortgage for a full property, you buy a share of it, usually somewhere between 10% and 70%. For the remainder of the property, known as unsold equity, you pay subsidised rent. This does not apply to all houses; properties must have been built for that scheme by a housing association using government subsidy.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">What&#039;s Included?<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.check.co.uk\/blog\/help-to-buy\/all-about-shared-ownership\/#How_much_are_my_monthly_payments\" >How much are my monthly payments?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.check.co.uk\/blog\/help-to-buy\/all-about-shared-ownership\/#Why_choose_shared_ownership\" >Why choose shared ownership?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.check.co.uk\/blog\/help-to-buy\/all-about-shared-ownership\/#Am_I_eligible_for_shared_ownership\" >Am I eligible for shared ownership?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.check.co.uk\/blog\/help-to-buy\/all-about-shared-ownership\/#Who_is_prioritised_in_shared_ownership\" >Who is prioritised in shared ownership?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.check.co.uk\/blog\/help-to-buy\/all-about-shared-ownership\/#What_happens_with_maintenance_and_repairs_in_shared_ownership\" >What happens with maintenance and repairs in shared ownership?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.check.co.uk\/blog\/help-to-buy\/all-about-shared-ownership\/#Staircasing\" >Staircasing<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.check.co.uk\/blog\/help-to-buy\/all-about-shared-ownership\/#Other_costs\" >Other costs?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.check.co.uk\/blog\/help-to-buy\/all-about-shared-ownership\/#Mortgage\" >Mortgage<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.check.co.uk\/blog\/help-to-buy\/all-about-shared-ownership\/#Rent\" >Rent<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.check.co.uk\/blog\/help-to-buy\/all-about-shared-ownership\/#Credit-Score_offers_two_fabulous_solutions\" >Credit-Score offers two fabulous solutions<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_much_are_my_monthly_payments\"><\/span>How much are my monthly payments?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>This can seem confusing, as you have both rent and mortgage\npayment each month. Don\u2019t fret though \u2013 both of these are subsidised to reflect\nthe amount of the share that they cover. The rent works out cheaper than you\u2019d\ngenerally find as well, so you could find yourself spending less monthly than\nyou did when you were renting. <\/p>\n\n\n\n<p>So, you would pay a mortgage amount on the share, e.g. 10%,\nand pay rent on the other 90% (that is unsold equity). As you are only buying a\nshare of the property, the deposit required is significantly reduced as you\nonly need from 5% of the share you are purchasing. <\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"853\" src=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2019\/10\/illustration-SO-1024x853.png\" alt=\"\" class=\"wp-image-4278\" srcset=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2019\/10\/illustration-SO-1024x853.png 1024w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2019\/10\/illustration-SO-300x250.png 300w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2019\/10\/illustration-SO-768x640.png 768w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2019\/10\/illustration-SO.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_choose_shared_ownership\"><\/span>Why choose shared ownership?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A lot of first-time buyers choose shared ownership as the\nregular method of buying a home and the large deposit it required was not\naffordable for them. Shared ownership cost significantly less as you need a\nmuch smaller deposit, the rent tends to be cheaper than on the open market, and\nstamp duty can be deferred until you own 80% or more of the property. <\/p>\n\n\n\n<p>You\u2019re not tied in to only owning that share for life either\n\u2013 later down the line you can buy more, depending on what you can afford and\neventually own the entire property.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Am_I_eligible_for_shared_ownership\"><\/span>Am I eligible for shared ownership?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You do have to fit into the eligibility criteria in order to\nbe considered for shared ownership, these are:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>You must be 18 or over<\/li><li>Your income must be less than \u00a380,000 annually (\u00a390,000 in London).<\/li><li>You should be a first-time buyer<\/li><li>You should not be able to afford a home on the open market that is suitable for you<\/li><li>You should not have any mortgage or rent arrears<\/li><li>You need a good credit history<ul><li>You can boost your creditworthiness with credit-score.com for free! Sign up <a href=\"http:\/\/www.check.co.uk\/register\">here<\/a>. <\/li><\/ul><\/li><li>You must be able to afford the regular payments and costs involved in buying a home.<\/li><li>You should have savings of around \u00a34000 to cover the costs<ul><li>These costs vary, but this is the ballpark figure they tend to suggest. <\/li><\/ul><\/li><li>You need around 5-10% of the share you plan to buy as a deposit.<ul><li>You can go as low as 5%, but mortgage rates tend to get better at 10%. <\/li><\/ul><\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Who_is_prioritised_in_shared_ownership\"><\/span>Who is prioritised in shared ownership?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Shared Ownership is available to anyone, regardless of your\nage, so long as you are eligible. Because of this, some people may be\nprioritised over others such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Military members.<\/li><li>In some cases, priority may be given to those\nwho live and work in the area already, this is put in place by the local\ncouncil.<\/li><li>If you own a home already then you must show\nthat you are in the process of selling it.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_happens_with_maintenance_and_repairs_in_shared_ownership\"><\/span>What happens with maintenance and repairs in shared ownership?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you currently rent, then you\u2019re likely to be aware that costs of maintenance costs and repairs generally fall to your landlord or landlady, so it\u2019s easy to think that these costs would be split, however, this is not the case. Regardless of how much of the home you own, all repairs and maintenance are your own responsibility. If it is a new build, then there is usually a one-year warranty to cover any defects. <\/p>\n\n\n\n<p>If you\u2019re purchasing a flat then you\u2019ll probably have to pay\nsome kind of service costs which will cover repairs, maintenance, and cleaning\nof any communal areas such as stairways and lifts.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Staircasing\"><\/span>Staircasing <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Despite the name, this has nothing to do with the stairs in\nthe property and actually refers to the process of owning more of the property\nthan you started with. <\/p>\n\n\n\n<p>When you buy a home with shared ownership, you start off\nwith somewhere between 10% and 75% of your property depending on what is\navailable and affordable for you. This will also depend on whether it is a\nresale property, as the minimum will be the same or more than the seller\npreviously owned. <\/p>\n\n\n\n<p>You should then be able to staircase (i.e. own more) in 10%\nincrements \u2013 the cost of this will be determined by the value of the property\nwhen you choose to staircase. Normally, you\u2019ll be able to do this as and when\nyou can afford to do so. <\/p>\n\n\n\n<p>You can staircase all the way to 100%, however, in some cases, there is a cap on how much of the property you own. Of course, as you own more of the property your rent payments will decrease and your mortgage payments will increase. Eventually, you will not pay any rent and only the mortgage payments. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Other_costs\"><\/span>Other costs?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>While shared ownership does significantly reduce the upfront\ncosts of purchasing a home, it doesn\u2019t remove any of the extra costs that come\nwith buying a home. You still need to pay solicitor fees, moving costs and\nsurvey fees. The only cost which will differ will be stamp duty. <\/p>\n\n\n\n<p>You will get the option on whether or not you want to pay\nthe stamp duty on the full cost of the property, not just the amount you are\nbuying. This means that if you go on to own more of the home, you will not have\nto pay stamp duty again. Of course, this is an upfront cost, so you\u2019ll need to\nhave some disposable cash to use on this. <\/p>\n\n\n\n<p>The alternative is to pay stamp duty on the amount you are buying only \u2013 this may result in you paying more stamp duty overall, but it will reduce the initial costs. Your solicitor or legal advisor will be able to give you more information on how much you will be liable to pay and when no matter which one of the above you choose to do.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Mortgage\"><\/span>Mortgage <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You will make payments on your mortgage every month until it is fully paid, this will be on the remainder of your share after your deposit. If you choose to purchase more of the property, you are able to extend your mortgage for this, however, this will depend on the mortgage provider and the terms of your agreement.<\/p>\n\n\n\n<p>The amount you pay monthly on your mortgage will be\ndetermined by your mortgage provider and may be a percentage or a fixed amount.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Rent\"><\/span>Rent<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Your rent will usually be around 3% of the unsold equity. You can work this out below:<\/p>\n\n\n\n<p>Value of property*\nshare you don\u2019t own = unsold equity <\/p>\n\n\n\n<p>Unsold equity*0.03=\nRent payable annually<\/p>\n\n\n\n<p>Annual rent \/12 = Monthly payment&nbsp;<\/p>\n\n\n\n<p>If you\u2019d like to take a look at other affordable homeownership schemes, then you can also read our articles on <a>Help to Buy ISAs<\/a>\u00a0and <a href=\"https:\/\/www.check.co.uk\/blog\/help-to-buy-equity-loans\/\">Help to Buy equity loans.<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Credit-Score_offers_two_fabulous_solutions\"><\/span>Credit-Score offers two fabulous solutions<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you\u2019re preparing to take a mortgage, never apply until you\u2019ve tried our unique and&nbsp;<a href=\"https:\/\/home.credit-score.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">FREE Credit-Score Home app.<\/a>&nbsp;Our smart technology will tell you what you need to fix so you avoid rejection. The app predicts when you will be able to buy, for how much and tracks your month-by-month progress to mortgage success. We\u2019ve even added your own mortgage broker, so you get the best deals available.<\/p>\n\n\n\n<p>More focused on your credit rating? Well, get started for free with&nbsp;<a href=\"https:\/\/www.check.co.uk\/register\" target=\"_blank\" rel=\"noreferrer noopener\">Credit-Score\u2019s 24- Factor Credit Check<\/a>&nbsp;to truly help you improve your creditworthiness and how lenders view you. (Remember: lenders don\u2019t use your credit score! We\u2019ll show you what lenders look for and how to get your credit report in the best shape possible).<\/p>\n\n\n\n<p><strong><em>Last updated by Robert Edwards, July 2022<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"Shared ownership is a scheme run by the government that allows first-time buyers to get a foot on&hellip;\n","protected":false},"author":22,"featured_media":4279,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[483,272,270,484],"tags":[488,492,478,210,491],"class_list":{"0":"post-4277","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-help-to-buy","8":"category-homeownership","9":"category-mortgages","10":"category-shared-ownership","11":"tag-help-to-buy","12":"tag-help-to-buy-schemes","13":"tag-homeownership","14":"tag-mor","15":"tag-shared-ownership"},"acf":[],"featured_image_src":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2019\/10\/photo-1460317442991-0ec209397118.jpg","author_info":{"display_name":"admin","author_link":"https:\/\/www.check.co.uk\/blog\/author\/admin\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>All about Shared Ownership: What you need to know | Credit-Score UK<\/title>\n<meta name=\"description\" content=\"Shared ownership is one of a few Help To Buy schemes getting first time buyers on the property ladder. 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