Welcome to our Information Hub — your go-to resource for everything shared ownership. Whether you’re new to the concept or looking to learn more about eligibility, how to buy, staircasing, and the benefits, our expert articles and real-life case studies will help you make informed decisions every step of the way.
Moat is a leading housing association managing over 20,000 homes across the South East. Find out who we are, what we do, and why we're passionate about shared ownership.
Buying more shares (Staircasing explained)
Staircasing lets you buy more shares in your shared ownership home over time. Find out how it works, when you can do it, and what it means for your rent.
How do I sell my shared ownership home?
Ready to sell your shared ownership home? Find out how Moat Homes helps you find a buyer, how the sale price is set, and what to do next.
What is a shared ownership resale?
A shared ownership resale is a pre-owned shared ownership home being sold on by its current owner. Find out how resales work and what to consider.
Buying a new home off plan
Buying off plan means reserving a new Moat home before it's built. Find out how the process works and what to expect along the way.
Shared ownership budget calculator: Estimate your costs
Use our shared ownership budget calculator to estimate your monthly costs. Simply enter the market value and adjust the share percentage and deposit to see what you could pay each month.
Shared ownership sales policy & allocation rules
Find out how Moat Homes allocates shared ownership properties and what our Sales Policy covers — from eligibility and applications to mortgage requirements and support for existing shared owners.
Am I eligible for shared ownership?
Find out if you're eligible for shared ownership with Moat Homes. This guide covers income limits, who can apply, local connection requirements, and what to do if you currently own a home.
Steps to shared ownership: From eligibility to moving in
From checking your eligibility to getting the keys on moving day, here's a clear, step-by-step guide to buying a shared ownership home with Moat Homes. So you know exactly what to expect at every stage.
What is shared ownership?
Shared ownership lets you buy a share of a home; typically between 25% and 75% while paying subsidised rent on the rest. Find out how it works, who's eligible, and whether it could be the right route to homeownership for you.
What documents do I need to apply for shared ownership?
Find out which documents you'll need to apply for shared ownership with Moat Homes. From proof of identity and income to your Mortgage in Principle; so you can prepare and move forward with confidence.
How to secure a mortgage for a shared ownership property
Find out how to secure a shared ownership mortgage. From checking your eligibility to submitting your full application, we walk you through each step of the process.
What is discounted rent?
Discounted rent offers homes at typically 20% below market rate, helping you save for a deposit while you rent. Find out how it works, what it costs, and whether you're eligible.
Making a complaint
If something hasn't gone as expected with your new home, Moat are here to help. Find out how to raise a complaint and what to expect from our process.
Terms and conditions
A summary of Moat Homes’ general terms and conditions, outlining key information about our services, properties, website use, and your rights and responsibilities.