Shared ownership

Everything you need to know as a shared owner

Your options as a shared owner

When you buy one of our shared ownership homes we don’t just take your money and walk away. We’re here to offer help and advice for the whole time you own your home.

We can help with lots of things, including buying a larger share of your home and finding a buyer if you want to sell up or move. Click on the links below to find out more about buying more shares, remortgaging and selling your home.

If you're a leaseholder living in an apartment and you’re thinking of remortgaging, selling or staircasing, you can find information on EWS1 forms here.

Buy more shares

How to buy a larger part of your home (more shares). Step by step


How to change your mortgage deal, borrow more money, or do both

Sell my home

Four steps to selling your shared ownership home

FAQs about maintaining your new home

The defects period

When we take handover of your new home, it'll be covered by a ‘defects period’. This lasts for 12 months and means that the developer will be responsible for building defects. All other repairs are your responsibility if you're an owner or shared owner.  And accidental damage should be covered by insurance.

If you have an emergency defect during the first 12 months, where there's a risk to your home or someone living in it, it'll be made safe within 24 hours of you reporting it. Please call the Customer Experience Team on 0800 652 0898 at any time.  You can also report a non emergency defect by emailing

At the end of the defects period, we and the housebuilder will inspect your home. This is a final check to make sure there aren't any defects.



In case your home's been empty for a while before you moved in, you'll need to run all taps and showers for 2-3 minutes before using them.

This is to flush out bacteria that may have started to grow in the system when it was empty.



Cracks are common and can be found in most new homes because of excess moisture, which dries out over time. These cracks are often called ‘shrinkage’ or ‘settlement’ cracks and will be looked at when we do our final check.

Any cracks that are larger than the thickness of a £1 coin will be repaired and repainted with the original paint. Cracks caused by DIY work won't be covered as part of the defects period.



New homes are really well insulated. Remember to open windows or use the trickle vents to help air flow. Extractor fans need to be used when cooking or using the bathroom. And leave a gap between your furniture and the walls to avoid potential damp and mould. 

Here's some more tips on how to prevent damp and mould.


Looking after your garden

You’ll need to keep off the lawn until it's settled. Please make sure you water your garden in warm weather. It's important to cut your grass as soon as it needs it as this helps the turf to settle. 


After the Defects Period

Your new home comes with a building warranty. which covers the building for any major structural problems. This cover can be for 10 or 12 years, and you'll have more information about this in your Home user guide.

We recommend you avoid decorating until the end of the defects period (the first 12 months), as your home will be drying out. The walls will have been decorated with paint that helps this and decorating over this could hide any defects that appear.

Please let us know if you want to make any structural changes to your home. We recommend you wait until the end of the defects period, as any work you wish to do could affect the defects warranty.

Yes, you can keep a pet, unless there's a planning restriction.

You can check this in your Home user guide.

Due to fire regulations, you can't keep items in communal areas, including door mats.

If you spot any repairs that need doing, in a block or communal area, please report it to us.

Still looking for help?

Doing things online is normally the quickest and easiest way, but we know it’s not always the best way for everyone. You can phone us on 0800 652 0898 (our phone lines are open 8.30am to 5pm Monday to Thursday and 8.30am to 4.30pm on Friday). Remember, the phones do get really busy.

Get in touch