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Frequently asked questions
We try to provide as much information as possible on our website, but if you can't find what you are looking for please get in touch.
- What is shared ownership?
- Shared ownership is a government-funded scheme that helps people who would not normally be able to afford home ownership to purchase a home of their own.
- Shared ownership is also known as part-buy, part-rent. This is because shared owners buy a share in their home and pay rent on the rest.
- Shared owners do not share their homes with someone else, they simply share the ownership of it with a housing association.
- How does shared ownership work?
- The size of the share you buy is usually between 25% and 75% of the value of the property, although this does depend on individual circumstances.
- For pre-owned shared ownership homes, you will buy the share owned by the previous owner. If you wish to purchase a higher share than advertised this is possible, and you will need to discuss this with the Resales team at the time. This will be subject to affordability checks being undertaken.
- Shared owners pay a monthly rent to us for the share they haven't purchased. There will also normally be a service charge to cover items such as building insurance, management and cleaning of any common areas. There may also be a monthly sinking fund payment.
- Am I eligible for shared ownership?
- Shared ownership is designed to help people buy the type of home they need. Most shared owners are first-time buyers who meet a set of criteria. To find out if you are eligible, visit the Eligibility page.
- How do I register?
- Before you can apply for a shared ownership home with A2Dominion, you should register with a Help to Buy agent. Learn more on our How to apply page.
- Do I need savings?
- Yes, we estimate that you will need a minimum of £4,000 to cover legal fees in addition to a deposit towards your purchase.
- What is staircasing?
- Staircasing is where you buy more shares in your home.
- For example, if you have bought a shared ownership property and we each own 50%, you can choose to buy more shares in your home. So if you decided to buy another 25% of your home, you would own 75% of it altogether.
- You can generally staircase until you own your property outright. This will be dependent on the terms of your lease.