Saving for a deposit on a house can feel like a Herculean task, especially in the modern housing market. But what if there’s a solution that has been under your nose all along?
Enter, Shared Ownership. A concept as old as the British love for tea, but as refreshing as a summer’s day in Brighton.
Shared Ownership’s roots can be traced back to various cooperative movements in the UK. Historically, groups pooled resources to achieve common goals. And today, Shared Ownership remains a nod to this collective effort. It’s a brilliant way for you to own part of your dream house without bearing the brunt of its total cost.
Imagine buying just a slice of a pizza instead of the whole pie. Shared ownership operates on a similar premise.
You buy a slice of the property, typically ranging from 25% to 75%, and rent the rest. As time goes on, you can buy more of your home, until one day, you’ve devoured the entire pie.
With this scheme, not only do you need a smaller deposit, but you also enjoy reduced monthly payments. It’s like having your cake (or pizza) and eating it.
Here’s a quick guide to the key benefits of shared ownership:
If you’re sold on the idea and are ready to sail the shared ownership ship, here are a few navigational tips:
Discovering the perfect shared ownership property requires diligence and determination.
Start by diving deep into what’s available from the various housing associations. For example, we were recently looking at this collection in Sussex. This region is renowned for its beautiful landscapes and prime properties.
When you think of the UK, places like London, Manchester, or Edinburgh might instantly spring to mind. But nestled in the southeast is Sussex, a gem that boasts a rich tapestry of
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