Shared ownership is designed to help people get on the property ladder — but you’ll need to meet certain criteria set by the Government. Before you apply, it’s important to check if you qualify.
This guide covers who can apply, income limits, and what to do if you already own a home. Make sure you meet the shared ownership eligibility requirements before beginning your application.
To be eligible, your total household income must be:
£80,000 a year or less (outside of London)
£90,000 a year or less (within London)
This includes income from everyone who will be buying the home with you.
Your household earns £80,000 or less (£90,000 or less in London)
You’re a first-time buyer or no longer own a home
You’re already a shared owner looking to move
You own a home but can’t afford one that meets your needs
You’re selling your current home and have an offer accepted (STC)
You meet any local connection requirements (if applicable)
You may be eligible for shared ownership if any of the following apply:
You’re a first-time buyer
You previously owned a home but can’t afford to buy again
You’re an existing shared owner looking to move
You own a home but can’t afford a suitable one for your needs
Shared ownership is designed to make buying a home more accessible — whether you're just starting out or trying to get back on the ladder.
Some shared ownership homes may have additional criteria. For example, you might need to:
Live or work in the local area
Or have a strong connection to the area
This is usually decided by the local authority. You can check the property listing under 'Ts and Cs' or speak to our sales team to confirm.
You can still apply for shared ownership if you’re in the process of selling your current home. However, you must:
Have accepted an offer (your home should be “sold subject to contract” or STC)
Have a memorandum of sale, confirming the agreed price and your intention to sell
Complete the sale of your current home before or on the same day you complete the purchase of your shared ownership home
Not sure if shared ownership is the right option for you? Learn how it works or browse available homes in your area.
Read more about what happens when you decide to sell your shared ownership home.
Read our policy on how we advertise and sell all our shared ownership homes.
Find out how to get a mortgage for a shared ownership home, what lenders look for, and how the process works.
Pippins Place, West Malling
After a difficult breakup, single mum Clare found stability and a new home for her daughter through shared ownership with Moat. Discover how she made it happen.
St David's Park, Canterbury
Dawn and Simon's landlord decided to sell the home they were renting so turned to shared ownership to find a more secure home.
Crossways Quarter, Dartford
Rebecca dreamed of owning an apartment, but she wasn't sure if she could afford to with shared ownership and was nervous about buying off-plan.
