Shared ownership is a form of low cost home ownership which allows households on modest incomes to get a ‘foot on the property ladder’.  The aim is to help people who cannot afford to buy a suitable home outright, to purchase a share in a property.  This share can be purchased through obtaining a mortgage from a bank or building society or from savings.

Depending on how much income applicants have, the initial share can be 25%, 50% or 75% with the Association owning the remainder.  An ‘occupancy charge’ is made to cover the remaining share of the property. 

If you can answer YES to all of the following five questions then we would like to hear from you.

1. Are you currently in employment and earning £1,500 or more per month?
2. Have you been working for over 6 months?
3. Do you have savings of at least £5,000?*
4. Have you been to see if you can get a mortgage or do you have capital to raise a share?
5. Will the home be your only residence?

*Mortgage lenders require a deposit which could range from 10% to 25% depending on your circumstances and the lenders policy. You should shop around for the best deal but you will need to have savings to pay for the deposit and legal fees for buying your property. Generally we recommend that you have approximately £5,000 in savings available.

How to apply

To apply for the following shared ownership vacancies you should download, complete and email this application form to

Click here to read the General Data Protection Regulation (GDPR) Privacy Notice for Sharing Owners.

Start your property seach here!

Click here to view current shared ownership vacancies

After the first year sharing owners can increase their share in 25% tranches and proceed to 100% ownership.  Occupancy Agreements are renewed every 20 years.  The home must be the applicant’s only residence and they must not own another home.  If the applicant does own another home, they are expected to sell this before purchasing a home under the scheme.  Sharing owners are responsible for all repairs and maintenance to the property.  Leasing a shared ownership property is no longer permitted due to changes in Scottish Government legislation.

Click here to download the Shared Ownership Handbook 

For further information please contact the Sales & Leasing Team on 01224 202900 or email

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