Right to Acquire

You might be able to buy your home at a discount through the Government’s Right to Acquire scheme. There are certain requirements which you and your home need to meet: 

• You have been a tenant for over 3 years with us or another public sector landlord (like another housing association or council) 

• Your property must be funded through a social housing grant and be built after 31 March 1997. All our homes have been built after this date, and we can let you know if we were provided a grant as part of building your home.  

• The home must be your only or main home 

There are also additional personal checks you need to meet. To find out more about this, typical discounts provided and the application process please visit Right to Acquire: buying your housing association home: Overview – GOV.UK.

Rights to an Advocate

If you need someone to speak to us on your behalf about your tenancy, you can nominate them as your advocate. This could be a friend, family member, or support worker.  

They can discuss details about your tenancy and your home with us, but cannot make legal decisions of your behalf or without your consent.  

If you would like to let us know about an advocate who can act on your behalf, please contact your Management Provider and they can help with this process.  

Right to Shared Ownership

What is Shared Ownership? 

Shared Ownership is a way to make owning your home more affordable. Instead of buying the whole property outright, you buy a share – usually between 10% and 75% – and pay rent on the rest. Over time, you can buy more shares (called staircasing) until you own your home completely. 

The Right to Shared Ownership scheme is a government-backed initiative, which allows some tenants in England to buy a share of their rented home on shared ownership terms. https://www.gov.uk/right-to-shared-ownership  

Who Can Apply? 

You might be eligible if: 

• You live in a new home for Social Rent or Affordable Rent built under the Affordable Homes Programme (between 2021 and 2026).  

• Your home is your only home, and you’ve lived there for at least one year.  

• Your household income is under £80,000 a year (or £90,000 in London). 

• You’re a first-time buyer, forming a new household, or can’t afford to buy a home outright. 

• You can get a mortgage and manage the ongoing costs like rent and service charges. 
  

How Does It Work? 

• Choose your share: Start with 10–75% of the property. 

• Deposit: Usually 5–10% of the share you’re buying. 

• Rent: Pay a reduced rent on the part you don’t own. 

• Staircasing: Buy more shares when you’re ready – even as little as 1% at a time. 
  

Why Choose Shared Ownership? 

• Lower upfront costs: Smaller deposit and mortgage. 

• Flexibility: Increase your share when it suits you. 

• Security: More control over your home compared to renting. 

• Path to full ownership: Many people can eventually own 100%. 
  

Things to Keep in Mind 

• You’ll need a mortgage and a solicitor. 

• You’ll pay rent and service charges alongside your mortgage. 

• As a shared owner, you’ll be responsible for the majority of repairs in your home. Take a look at our repairs page for more information.  

• Most shared ownership homes are leasehold, so check the lease terms carefully.