This allows you to "part-buy, part-rent" a property, usually from a housing association.
You only need a deposit for the share you are buying (e.g., 5% of a 25% share), making it much lower than buying outright. government house buying schemes
You buy a share (typically between 10% and 75% ) and pay rent on the remaining portion. This allows you to "part-buy, part-rent" a property,
Buyers who can afford monthly repayments but struggle to save a large lump sum. Limit: Applies to homes valued up to £600,000 . 2. Shared Ownership This allows you to "part-buy
The government provides a guarantee to lenders, encouraging them to offer 95% mortgages. Deposit: Only 5% required.
Formerly the Mortgage Guarantee Scheme, this was made permanent in 2026 to help buyers with small deposits.