Unlocking home ownership
21st August 2023
With the close of the Help to Buy scheme, there is a clear gap for those looking for a low deposit solution to buying a home. Around 1 in every 100 households in the country live in shared ownership homes.
Shared ownership gives buyers the option to buy a share (between 25% and 75%) of their home, and pay rent on the remaining share. Over time more shares can be bought and the home can eventually be owned outright.
The required deposit (usually between 5% and 10% of the share bought) is significantly less than the average deposit of 24% paid by UK first-time buyers, making it an affordable option for home ownership.
Not exclusive to first-time buyers, those with a household income of £80,000 a year or less (£90,000 or less in London) and that cannot afford a home that meets their needs can qualify. Source: #Dataloft, Money Saving Expert, UK Finance, GOV.UK
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