How it works
You buy 10–75% of the home and pay rent to the housing association on the rest, usually 2.75% of the unsold value a year. You can staircase to buy more later at the then market value. Household income must be £80,000 or less (£90,000 in London).
FAQ
How much is rent on shared ownership?
Typically 2.75% of the share you don’t own each year.
Sources (checked 6 Nov 2026): GOV.UK Shared Ownership; Homes England capital funding guide.