Am I eligible?

Am I eligible?

There are specific criteria which must be met to qualify to buy a shared ownership home:

  • You cannot afford to buy a house on the open market.
  • You are employed and can provide payslips for the last three months.
  • You have at least two years’ audited accounts if you are self-employed.
  • Your income fits the affordability criteria for the property you wish to buy.
  • You have savings to cover the mortgage deposit, plus approximately £3,000 for legal, survey and mortgage fees (plus stamp duty if applicable).
  • Your household income is below £80,000 a year.
  • You have not been made bankrupt/had an IVA (Individual Voluntary Arrangement) and have been discharged for at least three years.
  • You are not an existing home owner.
  • The property must be your main place of residence.

You will need to be registered with a Help to Buy agent to begin with to make sure you meet the overall criteria. You can do this at



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