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Buy a home

If you are considering moving or getting onto the property ladder we offer a range of homes available for purchase.

Ways to buy Looking to rent?
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Ways to buy

Shared ownership

Shared ownership is an ideal way for first-time buyers to purchase a share in a new property. This type of ownership is ideal for those set up to pay mortgages but may have less money saved for their deposit.

Visit shared ownership site
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Outright sale

We are committed to helping more people get on the property ladder, that’s why we also work with developers to build homes for outright sale. We have ambitious plans to build more homes like this in the near future, so watch this space.

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Right to Buy

The Right to Buy and Right to Acquire are government schemes which allow most tenants of social landlords to purchase their property at a discounted price.

If this is something you are interested in please contact us, but first you might want to check if you are eligible.

Take the eligibility quiz
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Looking to rent instead?

Buying a house can be a huge commitment and you may feel that renting is a better option for you. Find out more about renting from us below.

Rent a home

FAQs

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What is shared ownership?
Shared ownership is a great way to get on the property ladder when you can’t afford, or can’t borrow enough, to buy outright. You buy a share of your home and then pay rent on the remaining share. Because you only need a mortgage for the share you are purchasing, you won’t need such a big deposit. Over time you can purchase more shares in your property until you own it all.
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Am I eligible for shared ownership?
You can buy a home through shared ownership if:
  • Your household income is £80,000 a year or less
  • You cannot afford all of the deposit and mortgage payments for a home that meets your needs
You don’t need to be a first time buyer, but you can’t own another home at the same time. If you already own a property you must have a sale agreed on it.
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How much does it cost to buy a shared ownership property?
Just like buying outright, there are extra costs when buying a home. Your purchase costs will include:
  • A reservation fee of up to £300
  • A home valuation
  • Your deposit
  • Any mortgage fees
  • Your solicitor’s fees
  • Stamp duty(where applicable)
When you register interest in a home, we will give you a ‘summary of costs’ document. This sets out the purchase costs, the monthly payments, and any future costs if you choose to buy more shares or sell the home.
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What percentage of the property can I buy?
The initial share you buy will be between 25% and 75% of the full purchase price. The amount will be dependent on your circumstances, meaning it is not only affordable for you now, but in the future too.
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Does shared ownership mean sharing with another person?
No. Shared ownership does not mean you share the ownership of the property or have to live with another person.  You own a share of a property and the other share is owned by us, not another individual.
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What happens if I want to sell?
You can sell your shared ownership home at any time. If you have less than a 100% share, you must inform us as we have the first option to buy back your home. If we can’t find a buyer for your home within a set period of time, you are able to sell your share on the open market through an estate agent. If you have a 100% share, you’re free to sell the home yourself on the open market.
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Can I purchase a 100% share straight away?
No. The initial share you buy will be between 25% and 75%. Over time you can increase your share of your home. You can usually buy additional shares up to 100% of the value of your home. However, some of our homes in rural areas or specifically for older people are restricted so you can only buy up to 75% or 80% of the property. This is to help keep sufficient affordable housing in the area.
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Who is responsible for maintenance and repairs of my shared ownership property?
As the leaseholder, you are responsible for keeping the home in good condition. You are responsible for the cost of repairs and maintenance of the home. For new-build homes, the building warranty will cover the cost of structural repairs in the first 10 or 12 years. If you buy a home through a shared ownership resale, any remaining period on the building warranty will transfer to you.
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