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The Southern Home Ownership team are here to help with all your enquiries about shared ownership and the home buying process.

Over the years we have compiled a fairly comprehensive list of the most common questions we get asked, and you can find these below, along with our responses. We hope you can find what your looking for, and if not please contact the team using the form below. If it's a good question it might even get added to our list.

To register your interest, click on the development you are interested in, scroll down to the ‘Register an interest’ section, fill in your details and click ‘Submit’.
The shared ownership scheme is simple, you buy an initial share of between 25% and 75% of the apartments full value and pay a subsidised rent on the remainder. You may purchase further shares (up to 100%) as your circumstances change.
If a property is ready for sale and has viewings available, you can book an appointment using the calendar on the development page. This is done by selecting your chosen date and time, completing the eligibility questions, and clicking ‘Submit’. If no calendar is showing this means that there are no appointments available. Please register your interest on the development page and you will be notified once viewings become available.
Yes you still need a deposit, but only on the percentage of the property you are buying. Mortgage deposits can often be just 5% of the share value.
Applicants must not currently own a home and have a household income of less than £60,000 per year. You must also be registered with your local HomeBuy agent (register at www.homebuy.co.uk) before your application can be progressed.

Am I Eligible?

Southern Home Ownership provide shared ownership homes for first time buyers who are otherwise unable to afford to buy a suitable home. In some circumstances we will consider applications from existing home owners. However they must be selling or have sold their home and will be reviewed on a case by case basis.

We give a high priority to applicants who, by buying a home through us will free up a public sector home, or are serving military personnel, to assist with recruitment and retention. Household income requirements and specific eligibility criteria is advertised under each development listing on this site.

How Does Shared Ownership Work?

How Shared Ownership could work for you is quite straight forward - you buy as much of a property as you can afford, usually at least 25% and a maximum of 75%, and you pay a subsidised rent to us on the rest.

You only need a deposit and a mortgage for the share you are purchasing. At any time in the future, you can 'staircase' - meaning you can buy additional shares. As you purchase more shares the rent reduces, and when you own 100% of the property you will not need to pay rent at all.

If you decide to sell your home, and haven't staircased to 100%, we are on hand to help. For an initial 8 week period, we will try to introduce a buyer, often an applicant that's already registered and waiting for a shared ownership.

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If you have a query, or are interested in finding out more about a particular development, please visit the relevant development listing page and complete a Register Your Interest form. Alternatively, if you have a query about shared ownership or the home buying process, that's not already covered in the above questions and answers, please complete the short contact form below.


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Contact Details

Southern Home Ownership

Fleet House,
59-61 Clerkenwell Road,
London, EC1M 5LA

0300 555 2171

sales@shgroup.org.uk


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