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Affordable Homes
We have started to roll out our customer portal called My Brolly and you can access it using the button above.
This allows you to report repairs, manage your payments, and raise a general query on top of other useful features.
You will be sent an email with your login details when we are ready to sign you up. Until you have this, unfortunately you won’t have access to My Brolly.
We hope to provide access to most customers soon.
In most cases, you can own a pet in a Shared Ownership home. However, there are usually some guidelines and restrictions in place. For common household pets like cats and dogs, you will generally be able to have them, but it's always best to inform your management provider or housing association.
For more unusual or exotic animals, you will need to seek explicit permission from your management provider before bringing them into your home. They will be able to advise you on any specific rules or limitations regarding such pets to ensure they comply with the terms of your lease and don't cause any issues for other residents or the property itself.
Our employees at Legal & General Affordable Homes are not financially trained or regulated to discuss your personal affordability, tax or pensions in detail.
However, we have an extensive network of mortgage brokers and financial advisers who will help you to understand your affordability, and get you on the property ladder as soon as possible.
If you would like us to put you in touch with somebody who can help, please get in touch with our team who will be happy to make suitable introductions.
Shared Ownership allows you to buy a portion of a property generally between 25% and 75%, although sometimes as little as 10% of the full market value. This is quite a big range, so you’ll need to think about what percentage is affordable to you and what deposit you have available, or you’ll realistically be able to save.
We encourage our customers to buy the biggest share that they can afford, but generally we recommend between 25% and 45% of a person’s monthly household income should be go towards the cost of housing. We recommend talking to your mortgage broker to understand more about your affordability.
Please speak to one of our Sales Consultants who can put you in touch.
There is no single credit scoring metric that is universally accepted among lenders. Your credit score will range from 0 to 999, and generally, anything above 881 is considered good. As a rule of thumb, the better your credit history, the more options you should have when it comes to securing a Shared Ownership mortgage.
If the following statements are true for you, it’s likely you have a good credit score to begin your Shared Ownership journey:
For more information on how to improve your credit score, take a look at our guide on credit scores and Shared Ownership. And for impartial advice relating to debt or money concerns, contact your local Citizen Advice Bureau or visit; www.citizensadvice.org.uk/debt-and-money/help-with-debt/.
Once you have found the right Shared Ownership home for you, we recommend booking a viewing to see it first-hand and ask any questions you may have about your possible new home. If you register your interest for a development on the property page, we will notify you of phase releases, open days and viewing opportunities.
At this time, we will also have a discussion around your requirements for your new Shared Ownership home and will provide more information on how the scheme works.
However, if our homes are not yet ready to be viewed, our sales team will make sure that you’re provided with as much information as possible about your new home and the wider development. This can include providing photography, CGI's or virtual tours, or talking you through the floor plans thoroughly.
Absolutely! It’s a common Shared Ownership myth that you can’t make changes to your home, but you can personalise your new property in a variety of ways including:
The only instance in which you’d need to obtain permission from your property manager (such as Legal & General Affordable Homes) is if your home improvements affect the structure of the house. This includes fitting a new kitchen or bathroom.
For Shared Ownership apartments, maisonettes, or coach houses, you’ll have an appointed Management Provider to oversee maintenance of the building and any communal areas. This may include:
The cost of management will be paid within an annual service charge, which will be explained when you first inquire about a particular Shared Ownership home.
Yes, your service charge or estate management charge will be included as part of the total monthly costs of your new Shared Ownership home. This will be explained by our sales consultants as part of your purchase.
Service charges will be used to cover communal areas of apartments and coach houses, such as:
For Shared Ownership homes, your estate management charge will contribute towards:
Ground rent is not generally applicable on our developments, but your legal representative will confirm this in relation to any property you are looking to purchase shares of.
If you decide to sell your Shared Ownership home, your management provider will have a specific period of time to offer the property to another eligible Shared Ownership buyer. This information will be detailed in your lease upon completion.
After this period, you’re able to sell your property on the open market. To learn more, take a look at our detailed step-by-step guide to selling your Shared Ownership home, with the entire process broken down into eight clear steps.
If you haven’t owned a property before, then it’s possible that you won’t need to pay Stamp Duty on your first Shared Ownership home. This is due to the minimum threshold at which Stamp Duty is charged on a purchased home. With the changes to Stamp Duty as of 1st April 2025, however, this may differ depending on your specific circumstances.
Shared Ownership buyers have two options when paying Stamp Duty:
There are benefits to choosing either option, and a tax advisor will be able to guide you towards the most suitable approach for your situation.
You can increase the number of shares you own in a Shared Ownership home through a process known as ‘staircasing’. The process for staircasing can differ depending on the Affordable Homes Programme your property was purchased under. Your management provider can guide you on this if you are unsure.
There are several benefits to staircasing, including:
Not all properties can be staircased to 100% ownership, and we’d recommend that you review the staircasing options before purchasing your initial share in a home.
The rent on your Shared Ownership home is typically 2.75% of the unsold equity. So if you own a 40% share of your home, the rent will be charged on the remaining 60%. However, the exact cost for each home may differ, and you’ll find this information on the respective property listing or price list for a home you’re interested in.
Your rent will be reviewed every year and may be subject to rises in the Retail Prices Index or Consumer Price Index, plus an additional amount (usually between 0.5% and 2%). However, this will all be communicated to you well in advance once you have purchased your initial shares.
The Shared Ownership scheme allows buyers to purchase an initial share in a home, and pay a subsidised rent on the remainder of its full value. Many buyers will purchase a share between 25% and 75%, but you should only buy what you can comfortably afford.
For a full rundown of the Shared Ownership process, including buyer eligibility and how to find the perfect home, make sure to read our comprehensive Shared Ownership Explained guide.
Most buyers will need a deposit in order to secure a Shared Ownership mortgage on their initial share. The exact amount you’ll need for a deposit is determined by the value of your share, but many lenders offer mortgage products that are suitable with a 5% deposit.
Make sure to check out our advice on how to save for a deposit, and for more information on your specific situation, please speak to a financial advisor.
Most buyers find that Shared Ownership is cheaper than renting, despite rent and mortgage costs combining each month. This is because your costs are calculated based on your percentage of ownership, rather than privately renting which is often much harder to quantify.
To get a clearer picture of how much you might end up paying on a new Shared Ownership home, take a look at our handy Affordability Calculator, which will break down your predicted outgoings.
One of the eligibility criteria for Shared Ownership is that you don’t already own a property. This means that you would need to have confirmed the sale of your existing home when you apply to buy shares via Shared Ownership.
If you’re not sure whether your specific situation prevents you from pursuing Shared Ownership, reach out to our helpful team who will be able to offer guidance.
Yes, many Shared Ownership buyers are individuals who are looking to purchase their own home. This could be due to a variety of reasons, such as the breakdown of a relationship, or the need to downsize following a bereavement.
Provided that you meet the Shared Ownership eligibility criteria, you can get on the property ladder with us.
In most cases, you can own a pet in a Shared Ownership home. However, there are usually some guidelines and restrictions in place. For common household pets like cats and dogs, you will generally be able to have them, but it's always best to inform your management provider or housing association.
For more unusual or exotic animals, you will need to seek explicit permission from your management provider before bringing them into your home. They will be able to advise you on any specific rules or limitations regarding such pets to ensure they comply with the terms of your lease and don't cause any issues for other residents or the property itself.
Our employees at Legal & General Affordable Homes are not financially trained or regulated to discuss your personal affordability, tax or pensions in detail.
However, we have an extensive network of mortgage brokers and financial advisers who will help you to understand your affordability, and get you on the property ladder as soon as possible.
If you would like us to put you in touch with somebody who can help, please get in touch with our team who will be happy to make suitable introductions.
Shared Ownership allows you to buy a portion of a property generally between 25% and 75%, although sometimes as little as 10% of the full market value. This is quite a big range, so you’ll need to think about what percentage is affordable to you and what deposit you have available, or you’ll realistically be able to save.
We encourage our customers to buy the biggest share that they can afford, but generally we recommend between 25% and 45% of a person’s monthly household income should be go towards the cost of housing. We recommend talking to your mortgage broker to understand more about your affordability.
Please speak to one of our Sales Consultants who can put you in touch.
There is no single credit scoring metric that is universally accepted among lenders. Your credit score will range from 0 to 999, and generally, anything above 881 is considered good. As a rule of thumb, the better your credit history, the more options you should have when it comes to securing a Shared Ownership mortgage.
If the following statements are true for you, it’s likely you have a good credit score to begin your Shared Ownership journey:
For more information on how to improve your credit score, take a look at our guide on credit scores and Shared Ownership. And for impartial advice relating to debt or money concerns, contact your local Citizen Advice Bureau or visit; www.citizensadvice.org.uk/debt-and-money/help-with-debt/.
Once you have found the right Shared Ownership home for you, we recommend booking a viewing to see it first-hand and ask any questions you may have about your possible new home. If you register your interest for a development on the property page, we will notify you of phase releases, open days and viewing opportunities.
At this time, we will also have a discussion around your requirements for your new Shared Ownership home and will provide more information on how the scheme works.
However, if our homes are not yet ready to be viewed, our sales team will make sure that you’re provided with as much information as possible about your new home and the wider development. This can include providing photography, CGI's or virtual tours, or talking you through the floor plans thoroughly.
Absolutely! It’s a common Shared Ownership myth that you can’t make changes to your home, but you can personalise your new property in a variety of ways including:
The only instance in which you’d need to obtain permission from your property manager (such as Legal & General Affordable Homes) is if your home improvements affect the structure of the house. This includes fitting a new kitchen or bathroom.
For Shared Ownership apartments, maisonettes, or coach houses, you’ll have an appointed Management Provider to oversee maintenance of the building and any communal areas. This may include:
The cost of management will be paid within an annual service charge, which will be explained when you first inquire about a particular Shared Ownership home.
Yes, your service charge or estate management charge will be included as part of the total monthly costs of your new Shared Ownership home. This will be explained by our sales consultants as part of your purchase.
Service charges will be used to cover communal areas of apartments and coach houses, such as:
For Shared Ownership homes, your estate management charge will contribute towards:
Ground rent is not generally applicable on our developments, but your legal representative will confirm this in relation to any property you are looking to purchase shares of.
If you decide to sell your Shared Ownership home, your management provider will have a specific period of time to offer the property to another eligible Shared Ownership buyer. This information will be detailed in your lease upon completion.
After this period, you’re able to sell your property on the open market. To learn more, take a look at our detailed step-by-step guide to selling your Shared Ownership home, with the entire process broken down into eight clear steps.
If you haven’t owned a property before, then it’s possible that you won’t need to pay Stamp Duty on your first Shared Ownership home. This is due to the minimum threshold at which Stamp Duty is charged on a purchased home. With the changes to Stamp Duty as of 1st April 2025, however, this may differ depending on your specific circumstances.
Shared Ownership buyers have two options when paying Stamp Duty:
There are benefits to choosing either option, and a tax advisor will be able to guide you towards the most suitable approach for your situation.
You cannot grant an assured short hold tenancy on a Shared Ownership property. If you want to get a lodger you can, however you need to be able to afford to purchase the home without any assistance.
You can increase the number of shares you own in a Shared Ownership home through a process known as ‘staircasing’. The process for staircasing can differ depending on the Affordable Homes Programme your property was purchased under. Your management provider can guide you on this if you are unsure.
There are several benefits to staircasing, including:
Not all properties can be staircased to 100% ownership, and we’d recommend that you review the staircasing options before purchasing your initial share in a home.
The rent on your Shared Ownership home is typically 2.75% of the unsold equity. So if you own a 40% share of your home, the rent will be charged on the remaining 60%. However, the exact cost for each home may differ, and you’ll find this information on the respective property listing or price list for a home you’re interested in.
Your rent will be reviewed every year and may be subject to rises in the Retail Prices Index or Consumer Price Index, plus an additional amount (usually between 0.5% and 2%). However, this will all be communicated to you well in advance once you have purchased your initial shares.
The Shared Ownership scheme allows buyers to purchase an initial share in a home, and pay a subsidised rent on the remainder of its full value. Many buyers will purchase a share between 25% and 75%, but you should only buy what you can comfortably afford.
For a full rundown of the Shared Ownership process, including buyer eligibility and how to find the perfect home, make sure to read our comprehensive Shared Ownership Explained guide.
Most buyers will need a deposit in order to secure a Shared Ownership mortgage on their initial share. The exact amount you’ll need for a deposit is determined by the value of your share, but many lenders offer mortgage products that are suitable with a 5% deposit.
Make sure to check out our advice on how to save for a deposit, and for more information on your specific situation, please speak to a financial advisor.
Most buyers find that Shared Ownership is cheaper than renting, despite rent and mortgage costs combining each month. This is because your costs are calculated based on your percentage of ownership, rather than privately renting which is often much harder to quantify.
To get a clearer picture of how much you might end up paying on a new Shared Ownership home, take a look at our handy Affordability Calculator, which will break down your predicted outgoings.
One of the eligibility criteria for Shared Ownership is that you don’t already own a property. This means that you would need to have confirmed the sale of your existing home when you apply to buy shares via Shared Ownership.
If you’re not sure whether your specific situation prevents you from pursuing Shared Ownership, reach out to our helpful team who will be able to offer guidance.
Yes, many Shared Ownership buyers are individuals who are looking to purchase their own home. This could be due to a variety of reasons, such as the breakdown of a relationship, or the need to downsize following a bereavement.
Provided that you meet the Shared Ownership eligibility criteria, you can get on the property ladder with us.
