Shared Ownership
Get your shared ownership planSpeak to an adviser
Your home may be repossessed if you do not keep up repayments on your mortgage.
How We Help
Shared home. Shared value.
- Understand how the scheme works
We explain eligibility, costs and key terms in simple language, so you know exactly what Shared Ownership involves. - Clarity on what you can afford
We break down rent, mortgage payments and service charges to give you a clear, realistic picture of your monthly costs. - Find lenders who support Shared Ownership
We match you with lenders who specialise in Shared Ownership mortgages and offer products that fit your budget and plans. - Everything coordinated for a stress-free move
We handle the forms, the follow-ups and the liaison with housing associations and solicitors so the process feels simple.
The Areti Way
Start your application
Clear guidance through the rules, steps and lenders — so your first share feels simple, not complicated.
Frequently asked questions
How does shared ownership actually work?
You buy a percentage of a property and pay rent on the rest. Over time, you can increase your share (known as staircasing) if you choose to.
What deposit do I need for shared ownership?
Deposits are usually based on the share you’re buying, not the full property value — meaning you may need a smaller upfront amount.
Am I eligible for shared ownership?
Each housing association has its own criteria, but eligibility usually depends on your income, your current housing situation, and whether you’re a first-time buyer or returning to the market.
Are shared ownership mortgages harder to get?
Not harder — just different. Only certain lenders offer them, and the assessment criteria vary.
Are most shared ownership properties leasehold?
Yes — the majority are leasehold. That means you’ll typically pay ground rent or service charges.
