# Sources Index — UK Shared Ownership Knowledge Corpus All sources accessed 2026-05-16. Merged from per-file research indexes. Primary documents saved in this folder (and plain-text in `extracted/`). ## Saved primary documents - `model-lease-2021-flat-CPI.docx` / `model-lease-2021-house-RPI.docx` — official MHCLG/Homes England 2021 Standard Shared Ownership model leases - `key-info-about-shared-ownership-newmodel.odt`, `key-info-about-the-home-newmodel.odt`, `summary-of-costs-newmodel.odt` — Homes England key-information templates - `provider-key-info-plumlife.pdf` — real Plumlife (Great Places) Key Information document - `provider-guide-lq.pdf`, `provider-guide-sage-homes.pdf` — real housing-association buyer guides - `extracted/*.txt` — plain-text extractions of the above for grepping ## 01 — How it works # Sources Index — 01-how-it-works.md All sources accessed 2026-05-16. British government and reputable consumer/advisory sources. - [Shared ownership homes: buying, improving and selling — GOV.UK](https://www.gov.uk/shared-ownership-scheme) — accessed 2026-05-16 — backs: definition of scheme, 10%–75% / 25%–75% share ranges, 5–10% deposit on the share, mortgage/savings, rent on retained share, staircasing concept, 990-year lease & 10% min share reduction, Section 106, eligibility outline - [Buying more shares ('staircasing') — GOV.UK](https://www.gov.uk/shared-ownership-scheme/buying-more-shares-staircasing) — accessed 2026-05-16 — backs: RICS valuation basis, min increments (25% older / 10% usual / 5% newer / 1% post-April-2021), 1% priced on original price adjusted by HPI, no roll-over of 1% options, landlord admin fee £150–£500, own legal fees, 100% cap with designated protected area 80% exception, OPSO 75% cap - [Who can apply — GOV.UK](https://www.gov.uk/shared-ownership-scheme/who-can-apply) — accessed 2026-05-16 — backs: income caps £80,000 (£90,000 London), first-time buyer / can't afford open market / new household criteria, local connection, armed forces priority, OPSO 55+, HOLD - [Affordable Homes Programme 2021–2026 — Shared Ownership homes in a Designated Protected Area — 80% restricted staircasing key information documents — GOV.UK](https://www.gov.uk/government/publications/affordable-homes-programme-2021-to-2026-shared-ownership-homes-in-a-designated-protected-area-80-restricted-staircasing-key-information-documents) — accessed 2026-05-16 — backs: restricted staircasing to 80% in designated protected/rural exception areas, landlord repurchase obligation alternative - [Shared Ownership Leases — Leasehold Advisory Service (LEASE)](https://www.lease-advice.org/advice-guide/shared-ownership-leases/) — accessed 2026-05-16 — backs: leasehold basis (incl. SO houses), 99/125-year older leases, full repairs liability from day one on older leases regardless of share, 990-year new-model lease, 10-year landlord repairs support, ground rent on older leases, who provides (housing associations / registered providers), flat vs house at 100% - [Shared Ownership Staircasing Guide — Share to Buy](https://www.sharetobuy.com/shared-ownership/shared-ownership-staircasing-guide/) — accessed 2026-05-16 — backs: independent surveyor valuation, 5% min standard step under new model, 1% gradual route 15 years reduced fees no valuation, ~£2,000 budget, stamp duty at 80%+, mortgage up / rent down on staircasing, restriction cap details, staircase to 100% stops rent - [Introducing the new Shared Ownership model — Share to Buy](https://www.sharetobuy.com/shared-ownership/introducing-the-new-shared-ownership-model/) — accessed 2026-05-16 — backs: 25%→10% min share, 10-year repair warranty, 1% gradual staircasing vs previous 10%, earlier resale control, Affordable Homes Programme 2021–2026 funding (~£12bn / ~180,000 homes), £500/yr repair allowance with one-year roll-over, 8→4 week resale nomination - [FAQs: Buying a home through Shared Ownership — Share to Buy](https://www.sharetobuy.com/shared-ownership/faqs-buying-a-home-through-shared-ownership/) — accessed 2026-05-16 — backs: 2.75% (max 3%) rent rate on unowned share, rent calculated on unowned value at completion, RPI + 0.5% annual review on typical older leases, service charge variability - [Shared ownership scheme — how the homebuying scheme works — Money Saving Expert](https://www.moneysavingexpert.com/mortgages/shared-ownership-scheme/) — accessed 2026-05-16 — backs: 2.75% rent worked formula (£200k @ 40% ≈ £275/mth; £400k @ 40% ≈ £550/mth), deposit 5–10% of share, mortgage calc example, service charges "£100s even £1,000s a year", income caps £80k/£90k - [Shared ownership rent increase — Money Saving Expert forum](https://forums.moneysavingexpert.com/discussion/6219826/shared-ownership-rent-increase) — accessed 2026-05-16 — backs: rent rises annually by index plus uplift; newer model leases use CPI-linked formula; compounding effect of staying below 100% ## 02 — Law & lease # Sources Index — 02-law-and-lease.md All accessed 2026-05-16. - [AHP 2021–2026 Standard Shared Ownership model leases — GOV.UK](https://www.gov.uk/government/publications/affordable-homes-programme-2021-to-2026-standard-shared-ownership-model-leases) — accessed 2026-05-16 — backs: §2 model lease, §2.1 structure, §3 features, §5 staircasing, §7.2 forfeiture clause, Appendix - [SOAHP 2016–2021 Standard Shared Ownership model leases — GOV.UK](https://www.gov.uk/government/publications/shared-ownership-and-affordable-homes-programme-2016-to-2021-standard-shared-ownership-model-leases-2016-to-2021) — accessed 2026-05-16 — backs: §2, §4 pre-2021 leases - [Shared Ownership historic model leases — GOV.UK](https://www.gov.uk/government/collections/shared-ownership-historic-model-leases) — accessed 2026-05-16 — backs: §2, §4, Appendix - [Shared ownership and the Renters' Rights Act — information note for registered providers — GOV.UK](https://www.gov.uk/government/publications/shared-ownership-and-the-renters-rights-act-letter-to-registered-providers-of-social-housing/information-note-for-registered-providers) — accessed 2026-05-16 — backs: §1 TL;DR, §7.1, §7.2, §7.3 Renters' Rights Act 2025 - [Town and Country Planning Act 1990, s.106 — legislation.gov.uk](https://www.legislation.gov.uk/ukpga/1990/8/section/106) — accessed 2026-05-16 — backs: §6 section 106 - [Shared Ownership Leases — Leasehold Advisory Service (LEASE)](https://www.lease-advice.org/advice-guide/shared-ownership-leases/) — accessed 2026-05-16 — backs: §1, §4 full repairing, §5 pre-emption, §6 DPA, Key risks - [Differences between a shared ownership lease and an ordinary long lease — LEASE](https://www.lease-advice.org/leasehold/basics/shared-ownership/how-shared-ownership-leases-are-different/) — accessed 2026-05-16 — backs: §1 legal nature, §5 staircasing, §7.1 statutory rights - [Shared ownership leasehold reforms — LEASE](https://www.lease-advice.org/leasehold/basics/shared-ownership/reforms/) — accessed 2026-05-16 — backs: §7.1 LFRA 2024 / 1993 Act - [The New Model for Shared Ownership Lease — Chattertons Solicitors](https://www.chattertons.com/site/blog/residential-conveyancing-blog/the-new-model-for-shared-ownership-lease) — accessed 2026-05-16 — backs: §3 990 years, 10-year repair, 1% staircasing, §8 lender - [New shared ownership lease model FAQs — LiveWest](https://www.livewest.co.uk/new-shared-ownership-lease-model-faqs) — accessed 2026-05-16 — backs: §3 £500 internal repair - [The new shared ownership model leases FAQs — Trowers & Hamlins](https://www.trowers.com/insights/2022/march/the-new-shared-ownership-model-leases-faqs) — accessed 2026-05-16 — backs: §3 1% HPI staircasing, min share - [The Renters' Rights Bill — impact on shared ownership — Trowers & Hamlins](https://www.trowers.com/insights/2025/july/the-renters-rights-bill-the-impact-on-shared-ownership) — accessed 2026-05-16 — backs: §7.3 subletting/possession 1 May 2026 - [Shared interest — The Law Society Communities](https://communities.lawsociety.org.uk/june-2022/shared-interest/6002343.article) — accessed 2026-05-16 — backs: §7.2 forfeiture risk, Key risks - [The New Model for Shared Ownership Lease: a decade of repair costs for landlords — Local Government Lawyer](https://www.localgovernmentlawyer.co.uk/housing-law/315-housing-features/47594-the-new-model-for-shared-ownership-lease-a-decade-of-repair-costs-for-landlords) — accessed 2026-05-16 — backs: §4 two-tier system - [Shared ownership — a misnomer that can be worse than renting — Leasehold Knowledge Partnership](https://www.leaseholdknowledge.com/shared-ownership-a-misnomer-that-can-be-worse-than-renting-and-worse-than-leasehold-says-solicitor/) — accessed 2026-05-16 — backs: §4 critique - [A guide to your shared ownership lease — Hastoe Group](https://www.hastoe.com/living-in-your-home/homeowners/shared-owners/your-shared-ownership-lease/) — accessed 2026-05-16 — backs: §4 full repairing - [Restricted staircasing — bpha](https://www.bpha.org.uk/living-in-my-home/restricted-staircasing/211/) — accessed 2026-05-16 — backs: §6 DPA / restricted staircasing, §7.4 RTB interaction, Key risks - [Shared Ownership — Change to Pre-Emption Rights — Winckworth Sherwood (PDF)](https://wslaw.co.uk/wp-content/uploads/2017/12/shared-ownership-2.pdf) — accessed 2026-05-16 — backs: §5 pre-emption / 21-year right - [Shared Ownership — the new model — Ellisons](https://ellisons.com/news/shared-ownership-the-new-model/) — accessed 2026-05-16 — backs: §5 Memorandum of Staircasing - [Shared Ownership Rent Review Changes — GLA / London Assembly](https://www.london.gov.uk/who-we-are/what-london-assembly-does/questions-mayor/find-an-answer/shared-ownership-rent-review-changes) — accessed 2026-05-16 — backs: §3 rent review RPI+0.5% → CPI+1% - [Updates to the SO Model Lease rent reform — Capsticks](https://www.capsticks.com/insights/updates-to-the-shared-ownership-model-lease-rent-reform-what-do-rps-need-to-know) — accessed 2026-05-16 — backs: §3 rent review, §7.4 VRTB funding - [UK Finance Mortgage Lenders' Handbook — shared ownership (question list 1882)](https://lendershandbook.ukfinance.org.uk/lenders-handbook/englandandwales/question-list/1882/) — accessed 2026-05-16 — backs: §8 MPC, lender refusal - [Shared ownership — mortgagee protection clauses — Social Housing](https://www.socialhousing.co.uk/comment/shared-ownership-as-security--enforcement-of-mortgagee-protection-clauses-81111) — accessed 2026-05-16 — backs: §8 MPC indemnity scope - [Shared Ownership conveyancer guidance — Skipton / UK Finance (PDF)](https://www.skipton-intermediaries.co.uk/content/dam/sbs-sites/intermediaries/documents/guides-and-forms/shared-ownership-conveyancer-guide.pdf) — accessed 2026-05-16 — backs: §8 onerous terms / non-model leases - [Ground Rent, Assured Tenancies & s.8 of the Housing Act 1988 — JB Leitch](https://www.jbleitch.co.uk/news-insights/blogs/ground-rent-assured-tenancies-s-8-of-the-housing-act-1988/) — accessed 2026-05-16 — backs: §7.2 Ground 8 mandatory possession - [Leasehold and Freehold Reform Bill — Shared Ownership Resources](https://www.sharedownershipresources.org/campaigning/consultation-responses/leasehold-and-freehold-reform-bill/) — accessed 2026-05-16 — backs: §7.1 LFRA 2024 exemptions ## Downloaded primary documents (in sources/) - `AHP-2021-2026-SO-flat-lease-Oct2023-CPI.docx` — from https://assets.publishing.service.gov.uk/media/6658a02d8f90ef31c23ebc78/AHP_2021_to_2026_Shared_Ownership_flat_lease__October_2023____CPI_based_rent_review.docx - `AHP-2021-2026-SO-house-lease-Oct2023-CPI.docx` — from https://assets.publishing.service.gov.uk/media/6658a0690c8f88e868d333fd/AHP_2021_to_2026_Shared_Ownership_house_lease__October_2023__-_CPI_based_rent_review.docx ## 03 — Costs & affordability # Source Index — 03-costs-affordability.md All sources accessed 2026-05-16. - [Shared ownership homes: buying, improving and selling — Costs (GOV.UK)](https://www.gov.uk/shared-ownership-scheme/costs) — accessed 2026-05-16 — backs: deposit %, reservation fee, service charge, sinking fund, ground rent, selling costs - [Shared Ownership – how the homebuying scheme works (MoneySavingExpert)](https://www.moneysavingexpert.com/mortgages/shared-ownership-scheme/) — accessed 2026-05-16 — backs: deposit examples, rent rate/examples, service charge magnitude, ground rent ban, staircasing increments, selling fees, total-cost comparison - [Shared Ownership: Costs and affordability (Share to Buy)](https://www.sharetobuy.com/shared-ownership/shared-ownership-costs-and-affordability/) — accessed 2026-05-16 — backs: deposit range, rent ~3% example, service charge variability, 100%-service-charge point, staircasing/selling costs, current-value resale - [Stamp Duty Land Tax: Residential property rates (GOV.UK)](https://www.gov.uk/stamp-duty-land-tax/residential-property-rates) — accessed 2026-05-16 — backs: SDLT standard bands, first-time buyer relief thresholds - [Stamp Duty Calculator 2026 (MoneySavingExpert)](https://www.moneysavingexpert.com/mortgages/stamp-duty/) — accessed 2026-05-16 — backs: temporary thresholds expired 31 Mar 2025, current rates apply - [SDLT: shared ownership property guidance (GOV.UK/HMRC)](https://www.gov.uk/guidance/sdlt-shared-ownership-property) — accessed 2026-05-16 — backs: market value election vs staged options, 80% threshold, first-time buyer interaction - [SDLTM27050 — Market value election: detailed conditions (HMRC SDLT Manual)](https://www.gov.uk/hmrc-internal-manuals/stamp-duty-land-tax-manual/sdltm27050) — accessed 2026-05-16 — backs: market value election mechanics - [SDLTM27060 — Staircasing transactions, no market value election (HMRC SDLT Manual)](https://www.gov.uk/hmrc-internal-manuals/stamp-duty-land-tax-manual/sdltm27060) — accessed 2026-05-16 — backs: 80% staircasing exemption rule, above-80% chargeability - [SDLTM27065 — Linked transactions rules (HMRC SDLT Manual)](https://www.gov.uk/hmrc-internal-manuals/stamp-duty-land-tax-manual/sdltm27065) — accessed 2026-05-16 — backs: aggregate/linked-transaction calculation above 80% - [Shared ownership rent reviews: Q&A with Kevin Edwards (Shared Ownership Resources)](https://www.sharedownershipresources.org/q-and-a-with-an-expert/shared-ownership-rent-reviews/) — accessed 2026-05-16 — backs: initial rent ~2.75%, RPI+0.5%/+2%, CPI+1%, review frequency, worked review examples, negative-index floor - [Updates to the Shared Ownership Model Lease rent reform (Capsticks)](https://www.capsticks.com/insights/updates-to-the-shared-ownership-model-lease-rent-reform-what-do-rps-need-to-know) — accessed 2026-05-16 — backs: 2021 model lease CPI+1% rent reform - [Shared Ownership Mortgage Rates UK (Uswitch)](https://www.uswitch.com/mortgages/shared-ownership/) — accessed 2026-05-16 — backs: lender list, base rate 3.75%, indicative rates, SO mortgage assumptions - [What Lenders Offer Shared Ownership Mortgages? (Online Mortgage Advisor)](https://www.onlinemortgageadvisor.co.uk/shared-ownership/shared-ownership-mortgage-lenders/) — accessed 2026-05-16 — backs: lender list - [Shared Ownership Mortgages (Leeds Building Society)](https://www.leedsbuildingsociety.co.uk/mortgages/additional-borrowing/shared-ownership-mortgages/) — accessed 2026-05-16 — backs: Leeds BS offers SO mortgages - [Shared Ownership Mortgage Lenders (Peabody New Homes)](https://www.peabodynewhomes.co.uk/buying-options/shared-ownership/shared-ownership-mortgage-lenders/) — accessed 2026-05-16 — backs: Halifax/Barclays/Nationwide indicative LTV & min share terms - [Shared Ownership Mortgages (Compare the Market)](https://www.comparethemarket.com/mortgages/content/shared-ownership-mortgage/) — accessed 2026-05-16 — backs: fewer lenders, higher rates, less choice - [Shared Ownership Mortgage Guide and FAQs (Share to Buy)](https://www.sharetobuy.com/shared-ownership/shared-ownership-mortgage-guide-and-faqs/) — accessed 2026-05-16 — backs: rates a bit higher; Mortgagee Protection Clause requirement - [Getting a shared ownership mortgage (MoneySuperMarket)](https://www.moneysupermarket.com/mortgages/guides/shared-ownership-mortgage/) — accessed 2026-05-16 — backs: SO mortgage covers only the share; specialist product - [Mortgage protection clause - shared ownership (MoneySavingExpert Forum)](https://forums.moneysavingexpert.com/discussion/6074787/mortgage-protection-clause-shared-ownership) — accessed 2026-05-16 — backs: MPC purpose, lender priority, older leases lacking clause - [Shared ownership homeowners fear taking on the full cost of cladding remediation bills (Which?)](https://www.which.co.uk/news/article/shared-ownership-homeowners-fear-taking-on-the-full-cost-of-cladding-remediation-bills-axoPK0w7Qsiw) — accessed 2026-05-16 — backs: full remediation bill exposure on minority share - [Leaseholder protections on building safety costs in England: FAQ (GOV.UK)](https://www.gov.uk/guidance/leaseholder-protections-on-building-safety-costs-in-england-frequently-asked-questions) — accessed 2026-05-16 — backs: Building Safety Act pro-rata protections for SO, 11m+, qualifying leaseholder - [Remediation costs: what leaseholders do and do not have to pay (GOV.UK)](https://www.gov.uk/guidance/remediation-costs-what-leaseholders-do-and-do-not-have-to-pay) — accessed 2026-05-16 — backs: non-cladding repair cost proportional to equity, caps - [Complex ownership arrangements: Pitfalls (Shared Ownership Resources)](https://sharedownershipresources.org/an-expert-on/is-my-ha-my-landlord-part-two-pitfalls) — accessed 2026-05-16 — backs: 100% service charge liability on small share ## 04 — Risks & exit # Source Index — 04 Risks and Exit - [NAO — Investigation into shared ownership (HC 1742, 25 March 2026)](https://www.nao.org.uk/reports/investigation-into-shared-ownership/) — accessed 2026-05-16 — backs: TL;DR, repairing liability, service charges, staircasing costs, redress, mis-selling/criticism, counterbalance, lease extension - [NAO — Investigation into shared ownership (summary PDF, HC 1742)](https://www.nao.org.uk/wp-content/uploads/2026/03/investigation-into-shared-ownership-summary.pdf) — accessed 2026-05-16 — backs: NAO Figure 1 findings, 100% service charge, delivery figures, redress split, counterbalance quote - [Shelter — Shared ownership housing rights](https://england.shelter.org.uk/professional_resources/legal/home_ownership/shared_ownership_housing_rights/) — accessed 2026-05-16 — backs: nomination period (4/8/12 wks), 100% repairs, sub-letting ban, lease length, staircasing - [Shelter — Shared ownership arrears and possession](https://england.shelter.org.uk/professional_resources/legal/possession_and_eviction/shared_ownership_arrears_and_possession/) — accessed 2026-05-16 — backs: forfeiture, loss of equity/appreciation, mortgagee staircasing, shortfall liability - [LEASE — Protection under the Building Safety Act 2022](https://www.lease-advice.org/building-management/fire-safety/protection-fire-safety-costs/protection-under-the-building-safety-act-2022/) — accessed 2026-05-16 — backs: cladding/building-safety protections and eligibility gaps - [Leasehold Knowledge Partnership — Shared 'ownership' is NOT ownership, the 'pay-day loan' of housing](https://www.leaseholdknowledge.com/shared-ownership-is-not-ownership-its-the-pay-day-loan-of-housing-and-most-regret-having-done-it-london-assembly-told/) — accessed 2026-05-16 — backs: pay-day loan critique, 100% repairs awareness, 7% staircasing, 121% service charge, £24k lease extension, forfeiture, 80-year lease unsellable, cladding ruin, below-valuation risk, regret - [Leasehold Knowledge Partnership — Shared ownership advice hub](https://www.leaseholdknowledge.com/advice/shared-ownership/) — accessed 2026-05-16 — backs: mis-selling history, fleecehold/estate charges - [Housing Ombudsman — Shared ownership complaints in latest Insight report](https://www.housing-ombudsman.org.uk/2024/09/26/shared-ownership-complaints-in-latest-insight-report/) — accessed 2026-05-16 — backs: Ombudsman criticism, Blakeway quote, complaint issue areas - [Inside Housing — Government lacks essential data, NAO report finds](https://www.insidehousing.co.uk/home/government-lacks-essential-data-to-monitor-shared-ownership-affordability-nao-report-finds-96412) — accessed 2026-05-16 — backs: staircasing rare, affordability risk, negative equity concern, NAO Davies quote - [Inside Housing — MHCLG considering improvements after <1% staircased in 2024-25](https://www.insidehousing.co.uk/home/mhclg-considering-improvements-to-shared-owner-model-after-less-than-1-staircased-to-100-in-2024-25-95974) — accessed 2026-05-16 — backs: 0.9% of 267,107 staircased, lowest in a decade - [Shared Ownership Resources — Selling shared ownership (40% v staircasing to 100%)](https://www.sharedownershipresources.org/an-expert-on/selling-shared-ownership-100-per-cent/) — accessed 2026-05-16 — backs: nomination period reality (12–20 wks), RICS valuation floor, pay-the-difference, restricted buyer pool, fees, back-to-back staircasing - [Shared Ownership Resources — NAO shared ownership report analysis](https://www.sharedownershipresources.org/campaigning/reports/nao-shared-ownership-report/) — accessed 2026-05-16 — backs: 48% satisfaction, complexity, staircasing barriers, affordability pressure - [Shared Ownership Resources — Review No. 33 (complaints data summary)](https://www.sharedownershipresources.org/shared-ownership-reviews/no-33-owning-my-own-place/) — accessed 2026-05-16 — backs: ~400% rise in Ombudsman complaints 2020–2024 (1,564 vs 324) - [Local Government Lawyer — Housing Ombudsman annual review](https://www.localgovernmentlawyer.co.uk/housing-law/397-housing-news/62295-housing-ombudsman-annual-review-shows-some-encouraging-signs-that-landlord-handling-is-improving-despite-complaints-rising) — accessed 2026-05-16 — backs: no service-charge cap, 85+ complaints, "fundamental rethink" call ## 05 — Buying/selling process # Sources — 05 Buying & Selling Process and Eligibility - [GOV.UK — Shared ownership homes: Who can apply](https://www.gov.uk/shared-ownership-scheme/who-can-apply) — accessed 2026-05-16 — backs: Eligibility in full, income caps, current-homeowner STC rule, OPSO/HOLD, military & local priority - [GOV.UK — Shared ownership homes: Costs](https://www.gov.uk/shared-ownership-scheme/costs) — accessed 2026-05-16 — backs: reservation fee, deposit 5–10%, ongoing costs, lease/EPC/service charge documents to check - [GOV.UK — Right to Shared Ownership: A guide for tenants (Sept 2025)](https://assets.publishing.service.gov.uk/media/691318c35dec0071ce496351/The_Right_to_Shared_Ownership_-_A_guide_for_tenants.pdf) — accessed 2026-05-16 — backs: Right to Shared Ownership variant - [Share to Buy — Step-by-step guide to buying a Shared Ownership home](https://www.sharetobuy.com/shared-ownership/step-by-step-guide-to-buying-a-shared-ownership-home/) — accessed 2026-05-16 — backs: buying journey end to end, registration, reservation, memorandum of sale, exchange/completion, timescales - [Share to Buy — Shared Ownership: Eligibility and prioritisation](https://www.sharetobuy.com/shared-ownership/shared-ownership-eligibility-and-prioritisation/) — accessed 2026-05-16 — backs: age 18+, residency, local connection & cascade/banding priority - [Share to Buy — Shared Ownership: Costs and affordability](https://www.sharetobuy.com/shared-ownership/shared-ownership-costs-and-affordability/) — accessed 2026-05-16 — backs: financial assessment, min 10% / max 75% share, 25% minimum removed, 45%/40% affordability rule, income multiples - [Home Reach — Help to Buy Agents Closing](https://www.homereach.org.uk/guides-and-faqs/help-to-buy-agents-closing) — accessed 2026-05-16 — backs: Help to Buy Agent wound down, provider now checks eligibility, where to find homes now - [Aster — How you apply for shared ownership has changed](https://www.aster.co.uk/sales/shared-ownership-home-buying-process/how-you-apply-for-shared-ownership-has-changed) — accessed 2026-05-16 — backs: application route change away from Help to Buy agents - [SAM Conveyancing — Selling a Shared Ownership property](https://www.samconveyancing.co.uk/news/conveyancing/selling-a-shared-ownership-property) — accessed 2026-05-16 — backs: selling process, RICS valuation, nomination period 4/8/12 weeks, simultaneous staircasing, fees, assignment of lease, deed of covenant, timescales - [Shared Ownership Resources — Shared ownership valuation: buying & selling](https://www.sharedownershipresources.org/need-to-know/valuations/shared-ownership-valuation-buying-selling/) — accessed 2026-05-16 — backs: RICS Red Book validity, nomination period, open-market sale at/above/below valuation, 2025 Red Book standards - [Penningtons Manches Cooper — Updates to Shared Ownership key information documents](https://www.penningtonslaw.com/insights/updates-to-shared-ownership-key-information-documents-what-providers-need-to-do/) — accessed 2026-05-16 — backs: Key Information Document & Service Charge Information Document pre-reservation duties, Shared Ownership Code Oct 2025 - [London City Hall — Key information about shared ownership (KID)](https://www.london.gov.uk/sites/default/files/kid3_for_ahp_16-23_key_information_about_shared_ownership_final.pdf) — accessed 2026-05-16 — backs: KID content and five-year service-charge projection ## 06 — Trafford/Sale local # Sources Index — 06 Trafford / Sale Local Shared Ownership - [Shared ownership properties for sale in Trafford – Rightmove](https://www.rightmove.co.uk/property-for-sale/Trafford/shared-ownership.html) — accessed 2026-05-16 — backs: Listings (Brighton Grove/The Courts, Tatton Place, Altrincham/Stretford/Urmston/Old Trafford), TL;DR, market context - [House prices in Sale – Rightmove](https://www.rightmove.co.uk/house-prices/sale.html) — accessed 2026-05-16 — backs: Market context (Sale average/by type), TL;DR - [House Prices in Trafford – Rightmove](https://www.rightmove.co.uk/house-prices/trafford.html) — accessed 2026-05-16 — backs: Market context (wider Trafford) - [Housing prices in Trafford – ONS](https://www.ons.gov.uk/visualisations/housingpriceslocal/E08000009/) — accessed 2026-05-16 — backs: Market context (Trafford Oct 2025) - [Zoopla – Greater Manchester Shared Ownership](https://www.zoopla.co.uk/for-sale/shared-ownership/greater-manchester/) — accessed 2026-05-16 — backs: Listings (Davyhulme M41), portals table - [Share to Buy – Greater Manchester](https://www.sharetobuy.com/locations/greater-manchester/) — accessed 2026-05-16 — backs: Portals table, action checklist - [Manchester Home Show Sponsors: Meet Plumlife Homes – Share to Buy](https://www.sharetobuy.com/news/manchester-home-show-sponsors-meet-plumlife-homes/) — accessed 2026-05-16 — backs: Help to Buy status, Plumlife role - [About Plumlife Homes – Plumlife](https://www.plumlife.co.uk/about-us/) — accessed 2026-05-16 — backs: Plumlife = Great Places (not Places for People), region, role - [Shared Ownership Properties – Plumlife](https://www.plumlife.co.uk/shared-ownership/) — accessed 2026-05-16 — backs: Provider table, portals, action checklist - [New Home Developments – Plumlife](https://www.plumlife.co.uk/our-developments/) — accessed 2026-05-16 — backs: Plumlife named developments, gaps - [Plumlife Move home – Plumlife](https://www.plumlife.co.uk/plumlife-move-home/) — accessed 2026-05-16 — backs: Plumlife Move resale role - [Development – Great Places](https://www.greatplaces.org.uk/about-us/development/) — accessed 2026-05-16 — backs: Great Places/Plumlife sales arm relationship - [Great Places Housing Group – Trafford Council](https://www.trafford.gov.uk/housing/housing-associations-trafford/great-places-housing-group) — accessed 2026-05-16 — backs: Great Places in Trafford, provider table - [Housing associations in Trafford – Trafford Council](https://www.trafford.gov.uk/housing/housing-associations-trafford) — accessed 2026-05-16 — backs: Provider table, full RP directory (17 entries) - [Irwell Valley Homes – Trafford Council](https://www.trafford.gov.uk/housing/housing-associations-trafford/irwell-valley-homes) — accessed 2026-05-16 — backs: Irwell Valley in Trafford - [Apply for social housing – Trafford Council](https://www.trafford.gov.uk/housing/social-housing/apply-social-housing) — accessed 2026-05-16 — backs: Council owns no stock, structure section - [Housing – Trafford Council](https://www.trafford.gov.uk/housing) — accessed 2026-05-16 — backs: Council contacts/pages - [Chapter 11 – Housing (Trafford UDP) – Trafford Council](https://www.trafford.gov.uk/planning/strategic-planning/UDP-Interactive/chapter-11-housing.aspx) — accessed 2026-05-16 — backs: S106 25–35% affordable target, local-connection cascade - [Housing Allocations Policy Review 2025 – Trafford Council Citizen Space](https://trafford.citizenspace.com/place/housing-allocations-policy-review-2025/) — accessed 2026-05-16 — backs: Allocations/local-connection framework, council pages - [Trafford Homechoice – Home](https://www.traffordhomechoice.co.uk/) — accessed 2026-05-16 — backs: Portals table, council pages - [Trafford Homechoice – Your Housing Options](https://www.traffordhomechoice.co.uk/choice/content.aspx?pageid=3) — accessed 2026-05-16 — backs: SO basics (10–75%), legacy Help to Buy reference - [Registered Providers/Housing Associations in Trafford – Trafford Homechoice](https://www.traffordhomechoice.co.uk/choice/content.aspx?pageid=8) — accessed 2026-05-16 — backs: Provider table, additional RPs (Arcon, Equity) - [Housing Options Service Trafford – Sale – Turn2Us Advice Finder](https://advicefinder.turn2us.org.uk/Home/Details/4379) — accessed 2026-05-16 — backs: Housing Options Service in Sale contact - [Homes for Trafford – Public Consultation](https://homesfortrafford.co.uk/) — accessed 2026-05-16 — backs: Council delivery vehicle - [Trafford Housing Trust – Wikipedia](https://en.wikipedia.org/wiki/Trafford_Housing_Trust) — accessed 2026-05-16 — backs: THT acquired by L&Q 2019, Sale HQ - [New Homes in Greater Manchester – L&Q](https://lqhomes.com/regions/greater-manchester/) — accessed 2026-05-16 — backs: L&Q schemes (Trafford Waters, The Willows Sale, Bold Street Pavilion), provider table - [Shared Ownership & Rent To Buy Homes in the North West – Onward Living](https://www.onward-living.co.uk/) — accessed 2026-05-16 — backs: Onward provider table, portals, action checklist - [Shared Ownership Manchester – Onward Living](https://www.onward-living.co.uk/shared-ownership-manchester/) — accessed 2026-05-16 — backs: Onward NW coverage / Sale presence - [Development – Irwell Valley Homes](https://www.irwellvalley.co.uk/about-us/our-purpose/development/) — accessed 2026-05-16 — backs: Irwell Valley GM/Trafford regeneration, SO tenures - [Jigsaw Homes Group – Affordable Housing](https://www.jigsawhomes.org.uk/) — accessed 2026-05-16 — backs: Jigsaw provider table - [Guinness Homes](https://www.guinnesshomes.co.uk/) — accessed 2026-05-16 — backs: Guinness Homes SO, Manchester presence - [The Help to Buy Agent is gone – now what? – Insider Media](https://www.insidermedia.com/blogs/north-west/the-help-to-buy-agent-is-gone-now-what) — accessed 2026-05-16 — backs: Help to Buy / HtB North West agent closed 2023 - [Properties available – Sage Homes](https://www.sagehomes.co.uk/sales/search) — accessed 2026-05-16 — backs: Sage provider table, gaps ## 07 — Agreement analysis # Source Index — 07-agreement-analysis.md All sources accessed 2026-05-16. "SAVED LOCALLY" = file downloaded into `sources/` (and text extracted into `sources/extracted/`). ## Primary documents analysed (saved locally) - [MHCLG/Homes England — Affordable Homes Programme 2021 to 2026: Standard Shared Ownership model leases (collection page)](https://www.gov.uk/government/publications/affordable-homes-programme-2021-to-2026-standard-shared-ownership-model-leases) — accessed 2026-05-16 — backs: term 990yr, rent review Schedule 4, repairs Schedule 6, staircasing Schedules 5 & 7, resale/assignment clauses 3.19–3.21, forfeiture clause 5.2, mortgagee protection clause 6, service charge clauses 7.1–7.7 - [MHCLG model lease — Shared Ownership House lease (Oct 2023, RPI rent review) — DOCX](https://assets.publishing.service.gov.uk/media/6658a0cdd470e3279dd33406/AHP_2021_to_2026_Shared_Ownership_house_lease__October_2023_update__-_RPI_based_rent_review.docx) — accessed 2026-05-16 — SAVED LOCALLY `sources/model-lease-2021-house-RPI.docx` (text: `sources/extracted/model-lease-2021-house-RPI.txt`) — backs: full clause-by-clause analysis, RPI index, freehold transfer on final staircasing (house) - [MHCLG model lease — Shared Ownership Flat lease (Oct 2023, CPI rent review) — DOCX](https://assets.publishing.service.gov.uk/media/6658a02d8f90ef31c23ebc78/AHP_2021_to_2026_Shared_Ownership_flat_lease__October_2023____CPI_based_rent_review.docx) — accessed 2026-05-16 — SAVED LOCALLY `sources/model-lease-2021-flat-CPI.docx` (text: `sources/extracted/model-lease-2021-flat-CPI.txt`) — backs: CPI rent-review variant, flat-vs-house staircasing difference - [Plumlife — "Key information about shared ownership" (KID3, 2021–26 new model) — PDF](https://www.plumlife.co.uk/wp-content/uploads/sites/2/2024/07/KID3-Key-information-about-Shared-Ownership-2021-26.pdf) — accessed 2026-05-16 — SAVED LOCALLY `sources/provider-key-info-plumlife.pdf` (text: `sources/extracted/provider-key-info-plumlife.txt`) — backs: real housing-association consumer document; equity/deposit-loss on forfeiture, 100%-repairs liability, IRP & £500 allowance roll-over example, 1% vs 5% staircasing, nomination period & clause-3.20 trap, lease-extension/80-year warning, service charge & s.20 rights - [Homes England — "Key information about Shared Ownership" (New Model unified template) — ODT](https://assets.publishing.service.gov.uk/media/69b2bd65912f3f96bf687aef/New_Model_Standard_Shared_Ownership_Key_Information_About_Shared_Ownership__1_.odt) — accessed 2026-05-16 — SAVED LOCALLY `sources/key-info-about-shared-ownership-newmodel.odt` (text: `sources/extracted/key-info-about-shared-ownership-newmodel.txt`) — backs: document-package structure - [Homes England — "Key information about the Shared Ownership home" (New Model) — ODT](https://assets.publishing.service.gov.uk/media/69b2bd5659f6a12677125902/New_Model_Standard_Shared_Ownership_Key_Information_About_the_Home.odt) — accessed 2026-05-16 — SAVED LOCALLY `sources/key-info-about-the-home-newmodel.odt` (text: `sources/extracted/key-info-about-the-home-newmodel.txt`) — backs: property-specific facts (term, max share, nomination period, IRP years remaining) - [Homes England — "Summary of costs of the Shared Ownership home" (New Model) — ODT](https://assets.publishing.service.gov.uk/media/69b2bd4597f6fef21f687af0/New_Model_Standard_Shared_Ownership_Summary_of_Costs.odt) — accessed 2026-05-16 — SAVED LOCALLY `sources/summary-of-costs-newmodel.odt` (text: `sources/extracted/summary-of-costs-newmodel.txt`) — backs: the actual £ figures / RPI-vs-CPI per home - [Sage Homes — "Your guide to Shared Ownership" — PDF](https://res.cloudinary.com/dgj1zw4nt/image/upload/v1691754740/Pdfs/FAH-Shared_Ownership_Guide_-_02-05_fo4wxb.pdf) — accessed 2026-05-16 — SAVED LOCALLY `sources/provider-guide-sage-homes.pdf` (text: `sources/extracted/provider-guide-sage-homes.txt`) — backs: corroborating real-provider buyer guide - [L&Q — "Our Complete Guide to Shared Ownership" — PDF](https://lqhomes.com/wp-content/uploads/2024/10/Our-Complete-Guide-to-Shared-Ownership.pdf) — accessed 2026-05-16 — SAVED LOCALLY `sources/provider-guide-lq.pdf` — backs: corroborating real-provider buyer guide ## Supporting / interpretive sources (not saved locally) - [GOV.UK — Affordable Homes Programme 2021 to 2026: Standard Shared Ownership homes key information documents](https://www.gov.uk/government/publications/affordable-homes-programme-2021-to-2026-standard-shared-ownership-homes-key-information-documents) — accessed 2026-05-16 — backs: official KID template provenance & document package - [GOV.UK — AHP 2021–26 / SAHP: Shared Ownership homes in a Designated Protected Area (80% restricted staircasing) key information documents](https://www.gov.uk/government/publications/ahp-2021-to-2026-and-sahp-2026-to-2036-shared-ownership-homes-in-a-designated-protected-area-80-restricted-staircasing-key-information-documents) — accessed 2026-05-16 — backs: DPA / restricted-staircasing red flag - [GOV.UK — Shared Ownership historic model leases (collection)](https://www.gov.uk/government/collections/shared-ownership-historic-model-leases) — accessed 2026-05-16 — backs: existence of older 99/125-year model leases - [Leasehold Advisory Service (LEASE) — Shared Ownership Leases](https://www.lease-advice.org/advice-guide/shared-ownership-leases/) — accessed 2026-05-16 (via search excerpt; site returns HTTP 403 to automated fetch — verify directly) — backs: 99/125-yr typical term, self-repairing older lease, 80-year extension threshold - [Leasehold Advisory Service (LEASE) — Differences between a shared ownership lease and an ordinary long lease](https://www.lease-advice.org/leasehold/basics/shared-ownership/how-shared-ownership-leases-are-different/) — accessed 2026-05-16 (via search excerpt; HTTP 403 to automated fetch — verify directly) — backs: forfeiture and loss of equity, rent on unowned share, full repairing obligation - [House of Commons Library — Shared ownership (England): the fourth tenure? (CBP-8828)](https://commonslibrary.parliament.uk/research-briefings/cbp-8828/) — accessed 2026-05-16 — backs: 2021 reform context (10% min share, 990-yr term, 10-yr repair period, gradual staircasing) ## Notes / gaps - The official 2021 model lease is published by gov.uk as **DOCX** (not PDF). The target "PDF" was therefore obtained as DOCX and the text extracted; this is the authoritative government model lease as required. - A full **older (pre-2021) housing-association lease document** could not be obtained as a clean public PDF; the older-lease comparison relies on the **gov.uk historic model leases collection** and **LEASE** authoritative guidance rather than a single saved older lease file. - **LEASE** pages return HTTP 403 to automated fetch — content used is from the search-engine excerpt and should be re-verified directly by the buyer/solicitor. ## 08 — Greater Manchester (all boroughs) ### GM-wide + Manchester + Salford # INDEX-A — Sources for A-overview-manchester-salford.md - [Social and Affordable Homes Programme — Greater Manchester Combined Authority](https://www.greatermanchester-ca.gov.uk/what-we-do/planning-and-housing/housing/social-and-affordable-homes-programme/) — accessed 2026-05-16 — backs: GM-wide §1 (50,000/30,000 target, SAHP 60% social rent), TL;DR - [SAHP 2026 to 2036: Strategic priorities in Established Mayoral Strategic Authority areas — GOV.UK](https://www.gov.uk/guidance/sahp-2026-to-2036-strategic-priorities-in-established-mayoral-strategic-authority-areas) — accessed 2026-05-16 — backs: GM-wide §1 (SAHP successor programme, Mayoral strategic priority) - [Places for Everyone masterplan for 165,000 homes — ManchesterWorld](https://www.manchesterworld.uk/news/places-for-everyone-masterplan-for-165000-homes-across-greater-manchester-put-forward-to-government-3569532) — accessed 2026-05-16 — backs: GM-wide §1 (PfE ~165k homes, ~30% affordable, Stockport excluded) - [Places For Everyone — Greater Manchester Combined Authority](https://www.greatermanchester-ca.gov.uk/what-we-do/planning-and-housing/strategic-planning/places-for-everyone/) — accessed 2026-05-16 — backs: GM-wide §1 (PfE 9-borough joint plan) - [Good Growth, Good News: £86m boost for affordable housing — Manchester City Council](https://www.manchester.gov.uk/news-stories/2026/good-growth,-good-news-86m-boost-for-affordable-housing-and-regeneration-in-manchester) — accessed 2026-05-16 — backs: GM-wide §1, Manchester (£86m / £26m Wythenshawe) - [Capital Funding Guide — Shared Ownership — GOV.UK](https://www.gov.uk/guidance/capital-funding-guide/1-shared-ownership) — accessed 2026-05-16 — backs: GM-wide §2 (national eligibility, share %, staircasing) - [A Guide to Shared Ownership Eligibility and Requirements — Guinness Homes](https://www.guinnesshomes.co.uk/blog/buying-guides/a-guide-to-shared-ownership-eligibility-and-requirements/) — accessed 2026-05-16 — backs: GM-wide §2 (£80k income cap, FTB test) - [Shared Ownership Policy — One Manchester](https://www.onemanchester.co.uk/policies/shared-ownership-policy) — accessed 2026-05-16 — backs: GM-wide §2, Manchester (10% initial share, 1% staircasing, 2.75% rent) - [Shared Ownership — One Manchester](https://www.onemanchester.co.uk/find-a-home/shared-ownership) — accessed 2026-05-16 — backs: Manchester (One Manchester SO, Dalton Fields), portals - [Planning obligations FAQs (Section 106) — Salford City Council](https://www.salford.gov.uk/planning-building-and-regeneration/planning-applications/planning-obligations-and-community-infrastructure-levy/planning-obligations-faqs/) — accessed 2026-05-16 — backs: GM-wide §2, Salford (S106 securing affordable housing) - [Publication Local Plan, Chapter 11: Housing — Salford City Council](https://www.salford.gov.uk/planning-building-and-regeneration/planning-policies/local-planning-policy/salfords-development-plan/salford-local-plan/part-one-salford-local-plan/publication-local-plan-chapters/11-housing/) — accessed 2026-05-16 — backs: Salford (affordable home-ownership affordability/recycling provisions) - [Delivering affordable housing — Salford City Council](https://www.salford.gov.uk/housing/delivering-affordable-housing/) — accessed 2026-05-16 — backs: Salford (council affordable-housing contact/strategy) - [Twenty eight compete over every affordable property — Derive Salford](https://www.derivesalford.co.uk/news/twenty-eight-compete-over-every-affordable-property/) — accessed 2026-05-16 — backs: Salford (~28 applicants per affordable property) - [Section 106 agreed on 2,400-home Renaker schemes in Manchester — Housing Today](https://www.housingtoday.co.uk/news/section-106-agreed-on-2400-home-renaker-schemes-in-manchester/5137463.article) — accessed 2026-05-16 — backs: GM-wide §2, Manchester (S106 review mechanism) - [About Plumlife Homes — Plumlife](https://www.plumlife.co.uk/about-us/) — accessed 2026-05-16 — backs: GM-wide §2/§3/§4 (Plumlife = Great Places not P4P, Help to Buy NW closed 2023, Plumlife Move) - [Member Archive — GMHP (gmhousing.co.uk)](https://gmhousing.co.uk/partnerships/providers/) — accessed 2026-05-16 — backs: GM-wide §3 provider table, Project 500, Manchester/Salford provider lists - [Onward Homes — Wikipedia](https://en.wikipedia.org/wiki/Onward_Homes) — accessed 2026-05-16 — backs: GM-wide §3 (Onward NW-only, ~35k homes) - [Onward Living](https://www.onward-living.co.uk/) — accessed 2026-05-16 — backs: GM-wide §3 (Onward Living SO/Rent-to-Buy brand) - [Development — Irwell Valley Homes](https://www.irwellvalley.co.uk/about-us/our-purpose/development/) — accessed 2026-05-16 — backs: GM-wide §3 (Irwell Valley ~16k customers, SO) - [Find an MSV Home](https://www.msvhousing.co.uk/msv-homes/find-an-msv-home/) — accessed 2026-05-16 — backs: GM-wide §3 (MSV SO across GM boroughs) - [Homes and developments — ForHousing](https://www.forhousing.co.uk/homes-and-developments/) — accessed 2026-05-16 — backs: GM-wide §3, Salford (ForHousing Salford-rooted RP) - [Building new homes — Wythenshawe Community Housing Group](https://www.wchg.org.uk/your-community/new-homes/) — accessed 2026-05-16 — backs: GM-wide §3, Manchester (WCHG / Garden City Homes) - [Shared Ownership Greater Manchester — Share to Buy](https://www.sharetobuy.com/locations/greater-manchester/) — accessed 2026-05-16 — backs: GM-wide §4 portals, Salford listing URLs - [Shared Ownership Manchester — Share to Buy](https://www.sharetobuy.com/locations/manchester/) — accessed 2026-05-16 — backs: GM-wide §4, Manchester listing URLs - [Shared Ownership Properties — Plumlife](https://www.plumlife.co.uk/shared-ownership/) — accessed 2026-05-16 — backs: GM-wide §4 (Plumlife portal, 0161 447 5050) - [Shared ownership properties for sale in Greater Manchester — Rightmove](https://www.rightmove.co.uk/property-for-sale/Greater-Manchester/shared-ownership.html) — accessed 2026-05-16 — backs: GM-wide §4 portals - [Shared ownership properties for sale in Salford (district of) — Rightmove](https://www.rightmove.co.uk/property-for-sale/Salford-district-of-61423/shared-ownership.html) — accessed 2026-05-16 — backs: GM-wide §4, Salford listing URLs - [Shared ownership properties for sale in Manchester — Rightmove](https://www.rightmove.co.uk/property-for-sale/Manchester/shared-ownership.html) — accessed 2026-05-16 — backs: Manchester listing URLs / Dalton Fields - [New Homes in Greater Manchester — L&Q](https://lqhomes.com/regions/greater-manchester/) — accessed 2026-05-16 — backs: GM-wide §4, Manchester (L&Q GM region portal) - [ONS Housing prices — Manchester (E08000003)](https://www.ons.gov.uk/visualisations/housingpriceslocal/E08000003/) — accessed 2026-05-16 — backs: GM-wide §5 price table, Manchester (£251k Feb 2026, type breakdown) - [ONS Housing prices — Salford (E08000006)](https://www.ons.gov.uk/visualisations/housingpriceslocal/E08000006/) — accessed 2026-05-16 — backs: GM-wide §5 price table, Salford (£224k Feb 2026, type breakdown) - [Manchester Housing Market — Varbes](https://www.varbes.com/housing-market/manchester-housing-market) — accessed 2026-05-16 — backs: GM-wide §5 (Bolton/Bury/Oldham/Rochdale/Tameside/Wigan early-2026 aggregate prices) - [Sold House Prices in Greater Manchester — OnTheMarket](https://www.onthemarket.com/uk-house-prices/greater-manchester/) — accessed 2026-05-16 — backs: GM-wide §5 (GM overall ≈£277k, −3.8% YoY) - [Shared Ownership in Manchester — L&Q (Victoria Riverside)](https://lqhomes.com/victoriariverside/) — accessed 2026-05-16 — backs: Manchester (Victoria Riverside prices/share/contact), TL;DR - [L&Q at Victoria Riverside — Share to Buy](https://www.sharetobuy.com/developments/6050/) — accessed 2026-05-16 — backs: Manchester (Victoria Riverside 2-bed price) - [City Centre Living: L&Q launch Shared Ownership homes in Manchester — Insider Media](https://www.insidermedia.com/news/north-west/city-centre-living-lq-launch-shared-ownership-homes-in-manchester) — accessed 2026-05-16 — backs: Manchester (Victoria Riverside launch context) - [498 new homes approved at Manchester Planning Committee — Euan Kellie](https://euankellie.co.uk/projects/498-new-homes-approved-at-manchester-planning-committee) — accessed 2026-05-16 — backs: Manchester (Riverpark Newton Heath 498 homes, 43% affordable) - [Riverpark to provide vital new homes for East Manchester — Great Places](https://www.greatplaces.org.uk/?news=riverpark-development-set-to-provide-vital-new-homes-for-east-manchester) — accessed 2026-05-16 — backs: Manchester (Riverpark SO/social rent split) - [Islington Wharf — Latimer](https://www.latimerhomes.com/new-build-homes/manchester/manchester-city-centre/islington-wharf) — accessed 2026-05-16 — backs: Manchester (Islington Wharf SO 2-bed) - [Shared ownership in Manchester — Latimer](https://www.latimerhomes.com/new-build-homes/manchester/manchester-developments) — accessed 2026-05-16 — backs: Manchester (Latimer GM SO developments) - [New Build Homes at Salford Quays — Plumlife](https://www.plumlife.co.uk/our-locations/new-build-homes-at-salford-quays/) — accessed 2026-05-16 — backs: Manchester (Dovecote House R2B), Salford (Salford Quays hub, listing URLs) - [Alpha House approved by Manchester City Council — Manchester City Council](https://www.manchester.gov.uk/news-stories/2026/alpha-house-approved-by-manchester-city-council,-unlocking-125-new-homes-for-wythenshawe) — accessed 2026-05-16 — backs: Manchester (Wythenshawe Alpha House, town centre regen) - [Shelter Briefing Note: Manchester City Council's Affordable Housing Planning — Shelter](https://assets.ctfassets.net/6sxvmndnpn0s/6l6f7dZahcuhRVB5NENUFU/3eda63f99cf431e5b6a8b2c81bb8b4aa/Manchester_Social_Housing_Policy_Briefing.pdf) — accessed 2026-05-16 — backs: Manchester (30% affordable / 21%+3%+6% split policy) - [Owning a home could be cheaper than you think — Manchester City Council](https://www.manchester.gov.uk/info/500341/housing_help_and_advice/4912/low-cost_home_ownership) — accessed 2026-05-16 — backs: Manchester (council low-cost home ownership page) - [Worrall Street, Salford, Shared Ownership — Plumlife](https://www.plumlife.co.uk/development/worrall-street-salford-shared-ownership/) — accessed 2026-05-16 — backs: Salford (Worrall Street prices/share/open day), TL;DR - [Worrall Street, Salford — Plumlife](https://www.plumlife.co.uk/worrall-street-salford/) — accessed 2026-05-16 — backs: Salford (Worrall Street 160 homes / 107 SO) - [Plumlife launches new affordable housing development in Charlestown — About Manchester](https://aboutmanchester.co.uk/plumlife-launches-new-affordable-housing-development-in-charlestown/) — accessed 2026-05-16 — backs: Salford (Charlestown 25 homes, 35-75% share) - [Shared Ownership Properties (Charlestown) — Share to Buy](https://www.sharetobuy.com/developments/7216/) — accessed 2026-05-16 — backs: Salford (Charlestown listing) - [Work underway on Pendleton regeneration — Housing Digital](https://housingdigital.co.uk/work-underway-on-pendleton-regeneration/) — accessed 2026-05-16 — backs: Salford (Pendleton 485 homes, ~140 rent+SO) - [Plans for 458-home scheme approved in Salford — Inside Housing](https://www.insidehousing.co.uk/news/plans-for-458-home-scheme-approved-in-salford-84844) — accessed 2026-05-16 — backs: Salford (Pendleton/Salford scheme approval context) ### Stockport / Tameside / Oldham / Rochdale # INDEX-B — Sources (Stockport, Tameside, Oldham, Rochdale) - [Viaduct Housing Partnership — Home](https://www.viaducthousing.com/) — accessed 2026-05-16 — backs: Stockport / providers - [Viaduct Housing — Our developments](https://www.viaducthousing.com/shared-ownership/our-developments/) — accessed 2026-05-16 — backs: Stockport / schemes - [Stockport Council — Affordable housing](https://www.stockport.gov.uk/affordable-housing) — accessed 2026-05-16 — backs: Stockport / S106 & council contact - [Stockport Homes — Home ownership](https://www.stockporthomes.org/my-home/home-ownership/) — accessed 2026-05-16 — backs: Stockport / providers & contact - [Rightmove — Shared ownership Stockport](https://www.rightmove.co.uk/property-for-sale/Stockport/shared-ownership.html) — accessed 2026-05-16 — backs: Stockport / prices & listings - [Rightmove — Shared ownership Stockport (District)](https://www.rightmove.co.uk/property-for-sale/Stockport-District-of-94262/shared-ownership.html) — accessed 2026-05-16 — backs: Stockport / listing URLs - [Share to Buy — Shared Ownership Stockport](https://www.sharetobuy.com/shared-ownership-stockport/) — accessed 2026-05-16 — backs: Stockport / Verdon Roe Ave / Lifeinplace OPSO - [ONS — Housing prices Stockport (E08000007)](https://www.ons.gov.uk/visualisations/housingpriceslocal/E08000007/) — accessed 2026-05-16 — backs: Stockport / avg house price - [Jigsaw Homes — About Jigsaw Homes Tameside (ex-New Charter)](https://www.jigsawhomes.org.uk/information-article/about-new-charter-homes/) — accessed 2026-05-16 — backs: Tameside / providers - [Jigsaw Homes — Buying a home (Snugg Homes)](https://www.jigsawhomes.org.uk/information-article/buying-a-home/) — accessed 2026-05-16 — backs: Tameside / Snugg Homes SO - [Jigsaw Homes — MP officially opens affordable housing scheme in Tameside (Cavendish House)](https://www.jigsawhomes.org.uk/news/development/mp-officially-opens-affordable-housing-scheme-in-tameside/) — accessed 2026-05-16 — backs: Tameside / Cavendish House Feb 2026 - [Jigsaw Homes Tameside — Development archives](https://tameside.jigsawhomes.org.uk/news-categories/development/) — accessed 2026-05-16 — backs: Tameside / 35-apartment scheme - [Jigsaw Homes — Find a home](https://www.jigsawhomes.org.uk/find-a-home/) — accessed 2026-05-16 — backs: Tameside / listing URLs - [FCHO — New shared ownership homes in Stalybridge help locals onto the property ladder](https://www.fcho.co.uk/news/new-shared-ownership-homes-in-stalybridge-help-locals-onto-the-property-ladder/) — accessed 2026-05-16 — backs: Tameside / FCHO Stalybridge (Grassmoor, Ridge Hill) - [FCHO — Improving lives with new shared ownership homes in Stalybridge](https://www.fcho.co.uk/news/improving-lives-with-new-shared-ownership-homes-in-stalybridge/) — accessed 2026-05-16 — backs: Tameside / Grassmoor detail - [Rightmove — Shared ownership Tameside (keyword)](https://www.rightmove.co.uk/property-for-sale/Tameside.html?keywords=shared%20ownership) — accessed 2026-05-16 — backs: Tameside / listing URLs - [ONS — Housing prices Tameside (E08000008)](https://www.ons.gov.uk/visualisations/housingpriceslocal/E08000008/) — accessed 2026-05-16 — backs: Tameside / avg house price - [Plumlife — New housing developments Oldham](https://www.plumlife.co.uk/our-locations/new-housing-developments-oldham/) — accessed 2026-05-16 — backs: Oldham / schemes (Haven View, Tawny View, Old Brook View) - [Plumlife — Hartshead View, Oldham](https://www.plumlife.co.uk/development/hartshead-view-oldham/) — accessed 2026-05-16 — backs: Oldham / Hartshead View - [Plumlife — Cotton Green West, Derker](https://www.plumlife.co.uk/development/cotton-green-west-derker/) — accessed 2026-05-16 — backs: Oldham / Cotton Green West - [Plumlife — Elm Rise, Shaw](https://www.plumlife.co.uk/development/elm-rise-development-shaw/) — accessed 2026-05-16 — backs: Oldham / Elm Rise - [Plumlife — Haven View Shared Ownership](https://www.plumlife.co.uk/development/haven-view-shared-ownership/) — accessed 2026-05-16 — backs: Oldham / Haven View - [Rightmove — Shared ownership Oldham](https://www.rightmove.co.uk/property-for-sale/Oldham/shared-ownership.html) — accessed 2026-05-16 — backs: Oldham / prices & listings - [Oldham Chronicle — FCHO £15.7m deal with Vistry Group](https://www.oldham-chronicle.co.uk/news-features/139/main-news/160043/first-choice-homes-oldham-fcho-has-signed-a-%C2%A3157-million-deal-with-vistry-group) — accessed 2026-05-16 — backs: Oldham / FCHO programme - [The Oldham Times — Shared ownership homes released at £7.1m site (Green View, Middleton)](https://www.theoldhamtimes.co.uk/news/25454975.shared-ownership-homes-released-sale-7-1m-site/) — accessed 2026-05-16 — backs: Oldham / Green View, FCHO/Fabric Living, prices - [The Oldham Times — Development of new affordable homes in Oldham completed (Rosary Road)](https://www.theoldhamtimes.co.uk/news/24362768.development-new-affordable-homes-oldham-completed/) — accessed 2026-05-16 — backs: Oldham / Rosary Road - [FCHO — New developments / Fabric Living](https://www.fcho.co.uk/looking-for-a-home/our-developments/new-developments/) — accessed 2026-05-16 — backs: Oldham & Tameside / FCHO listing URLs - [Plumplot — Oldham house prices 2/2026](https://www.plumplot.co.uk/Oldham-house-prices.html) — accessed 2026-05-16 — backs: Oldham / avg house price cross-check - [ONS — Housing prices local (Oldham, E08000004)](https://www.ons.gov.uk/visualisations/housingpriceslocal/E08000004/) — accessed 2026-05-16 — backs: Oldham / avg house price - [RBH — Shared Ownership](https://www.rbh.org.uk/find-a-home/buying-a-home/shared-ownership/) — accessed 2026-05-16 — backs: Rochdale / RBH SO - [RBH — Find a home / our developments](https://www.rbh.org.uk/find-a-home/our-developments/) — accessed 2026-05-16 — backs: Rochdale / RBH developments - [RBH — Home](https://www.rbh.org.uk/) — accessed 2026-05-16 — backs: Rochdale / provider - [Rochdale Boroughwide Housing — Wikipedia](https://en.wikipedia.org/wiki/Rochdale_Boroughwide_Housing) — accessed 2026-05-16 — backs: Rochdale / RBH mutual + 496-unit programme - [Regenda Homes — Greater Manchester](https://www.regenda.org.uk/greater-manchester) — accessed 2026-05-16 — backs: Rochdale / Regenda SO - [Regenda Homes — New developments](https://www.regenda.org.uk/new-developments) — accessed 2026-05-16 — backs: Rochdale / Regenda listing URL - [Roch Valley Radio — New homes under way in Whitefield (Onward Homes)](https://www.rochvalleyradio.com/news/local-news/new-homes-under-way-in-whitefield/) — accessed 2026-05-16 — backs: Rochdale / Onward SO - [Rightmove — Shared ownership Rochdale](https://www.rightmove.co.uk/property-for-sale/Rochdale/shared-ownership.html) — accessed 2026-05-16 — backs: Rochdale / Ashworth Walk prices & listings - [Rochdale Borough Council — Housing (RBH)](https://www.rochdale.gov.uk/rbh) — accessed 2026-05-16 — backs: Rochdale / council contact - [ONS — Housing prices Rochdale (E08000005)](https://www.ons.gov.uk/visualisations/housingpriceslocal/E08000005/) — accessed 2026-05-16 — backs: Rochdale / avg house price ### Bury / Bolton / Wigan # INDEX-C — Sources (Bury, Bolton, Wigan) - [Housing associations — Bury Council](https://www.bury.gov.uk/housing/housing-associations) — accessed 2026-05-16 — backs: Bury / providers, combined provider table - [Shared ownership — Bury Council](https://www.bury.gov.uk/housing/buying-a-home/affordable-housing-types/shared-ownership) — accessed 2026-05-16 — backs: Bury / local-connection & council contact - [Update on Six Town Housing — Bury Council](https://www.bury.gov.uk/housing/housing-services/news/update-on-six-town-housing) — accessed 2026-05-16 — backs: Bury / Six Town Housing wound up, provider table note - [New homes under way in Whitefield — Roch Valley Radio](https://www.rochvalleyradio.com/news/local-news/new-homes-under-way-in-whitefield/) — accessed 2026-05-16 — backs: Bury / Onward Whitefield 16-SO scheme - [Development — Irwell Valley Homes](https://www.irwellvalley.co.uk/about-us/our-purpose/development/) — accessed 2026-05-16 — backs: Bury / Irwell Valley Radcliffe SO scheme, provider table - [Rightmove — shared ownership Bury](https://www.rightmove.co.uk/property-for-sale/Bury/shared-ownership.html) — accessed 2026-05-16 — backs: Bury / live SO listings, price table - [ONS/HM Land Registry — Housing prices in Bury (E08000002)](https://www.ons.gov.uk/visualisations/housingpriceslocal/E08000002/) — accessed 2026-05-16 — backs: Bury / average house price, price table - [Shared Ownership with Stonecross Homes — Bolton at Home](https://www.boltonathome.org.uk/shared-ownership/) — accessed 2026-05-16 — backs: Bolton / Stonecross brand, provider table - [Bolton at Home — early look at new shared ownership homes](https://www.boltonathome.org.uk/bolton-at-home-news/an-early-look-at-new-shared-ownership-homes-4101/) — accessed 2026-05-16 — backs: Bolton / pipeline (Westhoughton, town centre, Horwich) - [Bolton at Home — shared ownership news 4596](https://www.boltonathome.org.uk/bolton-at-home-news/shared-ownership-4596/) — accessed 2026-05-16 — backs: Bolton / Park Grove Westhoughton, eligibility £80k - [Bolton at Home — new-build development programme](https://www.boltonathome.org.uk/new-build-developments/) — accessed 2026-05-16 — backs: Bolton / 1,400-home target, programme - [Irwell Valley — 100 affordable new homes in Bolton](https://www.irwellvalley.co.uk/about-us/our-news/corporate-news/100-affordable-new-homes-delivered-in-bolton/) — accessed 2026-05-16 — backs: Bolton / Singleton Avenue Horwich, Irwell Valley Bolton delivery - [Share to Buy — Bolton](https://www.sharetobuy.com/locations/bolton/) — accessed 2026-05-16 — backs: Bolton / listings (Signal Close, Danner Lane YHG, Skylark Avenue) - [Rightmove — shared ownership Bolton](https://www.rightmove.co.uk/property-for-sale/Bolton/shared-ownership.html) — accessed 2026-05-16 — backs: Bolton / live SO listings, price table - [Developer contributions — Bolton Council](https://www.bolton.gov.uk/planning-policy-strategy/developer-contributions) — accessed 2026-05-16 — backs: Bolton / S106 developer contributions SPD - [Home ownership — Bolton Council](https://www.bolton.gov.uk/housing-options-advice/home-ownership) — accessed 2026-05-16 — backs: Bolton / council contact, Right to Buy/Acquire - [ONS/HM Land Registry — Housing prices in Bolton (E08000001)](https://www.ons.gov.uk/visualisations/housingpriceslocal/E08000001/) — accessed 2026-05-16 — backs: Bolton / average house price, price table - [Plumlife Willowbrook Fields, Wigan](https://www.plumlife.co.uk/development/willowbrook-fields-wigan/) — accessed 2026-05-16 — backs: Wigan / Willowbrook Fields details & prices, price table - [Rightmove — Plumlife Willowbrook Fields branch](https://www.rightmove.co.uk/developer/branch/Plumlife/Willowbrook-Fields-291167.html) — accessed 2026-05-16 — backs: Wigan / Willowbrook Fields availability - [Plumlife — New Build Homes in Wigan](https://www.plumlife.co.uk/our-locations/new-build-homes-wigan/) — accessed 2026-05-16 — backs: Wigan / Plumlife headline, Amber Vale Summer 2026 - [Plumlife The Skylarks, Little Hulton](https://www.plumlife.co.uk/development/the-skylarks-little-hulton/) — accessed 2026-05-16 — backs: Wigan / Salford-edge Skylarks note - [Plumlife The Folds, Little Hulton](https://www.plumlife.co.uk/development/the-folds/) — accessed 2026-05-16 — backs: Wigan / Salford-edge The Folds note - [Affordable home providers — Wigan Council](https://www.wigan.gov.uk/Resident/Housing/Buying/Affordable-home-providers.aspx) — accessed 2026-05-16 — backs: Wigan / RP panel, combined provider table - [Buying an Affordable Home — Wigan Council](https://www.wigan.gov.uk/Resident/Housing/Buying/Buying-an-Affordable-Home.aspx) — accessed 2026-05-16 — backs: Wigan / SO via RPs, equity loan, S106 - [Apply for an affordable housing scheme — Wigan Council](https://www.wigan.gov.uk/Resident/Housing/Buying/Affordable-homes-application.aspx) — accessed 2026-05-16 — backs: Wigan / local-connection requirement - [Affordable Home Ownership Hub — Wigan Council](https://www.wigan.gov.uk/Resident/Housing/Buying/index.aspx) — accessed 2026-05-16 — backs: Wigan / 1,322 affordable homes since 2018/19, search hub - [Wigan ModernGov — Shared Equity Affordable Housing Scheme (Appendix A)](https://wigan.moderngov.co.uk/documents/s4302/Appendix%20A%20B%20and%20C%20affordable%20housing.pdf?a=1) — accessed 2026-05-16 — backs: Wigan / shared-equity scheme detail - [Great Places — Wigan approves Enterprise House site in Ince](https://www.greatplaces.org.uk/?news=wigan-approves-enterprise-house-site-in-ince) — accessed 2026-05-16 — backs: Wigan / Great Places Enterprise House Ince site - [ONS/HM Land Registry — Housing prices in Wigan (E08000010)](https://www.ons.gov.uk/visualisations/housingpriceslocal/E08000010/) — accessed 2026-05-16 — backs: Wigan / average house price, price table - [Rightmove — shared ownership Wigan](https://www.rightmove.co.uk/property-for-sale/Wigan/shared-ownership.html) — accessed 2026-05-16 — backs: Wigan / thin resale portal supply - [Share to Buy — Greater Manchester](https://www.sharetobuy.com/locations/greater-manchester/) — accessed 2026-05-16 — backs: Bury & Wigan / regional listing portal ## 09 — National UK ### England — scale & regional landscape # INDEX-A — Sources for A-england-regions-scale.md - [NAO — Investigation into shared ownership (HC 1742, 25 Mar 2026)](https://www.nao.org.uk/reports/investigation-into-shared-ownership/) — accessed 2026-05-17 — backs: National scale & statistics, Eligibility, Funding split, Data quality caveat, TL;DR - [NAO — Investigation into shared ownership summary PDF (HC 1742)](https://www.nao.org.uk/wp-content/uploads/2026/03/investigation-into-shared-ownership-summary.pdf) — accessed 2026-05-17 — backs: National scale & statistics (delivery 11,128→20,353; roles; SAHP framing; data quality) - [Affordable housing supply in England 2024 to 2025 (GOV.UK, released 20 Nov 2025)](https://www.gov.uk/government/statistics/affordable-housing-supply-in-england-2024-to-2025/affordable-housing-supply-in-england-2024-to-2025) — accessed 2026-05-17 — backs: National scale & statistics (20,353 delivery, ~31% of supply, trend since 2015-16) - [Social housing sales and demolitions 2024-25: Shared ownership (GOV.UK)](https://www.gov.uk/government/statistics/social-housing-sales-and-demolitions-2024-25-england/social-housing-sales-and-demolitions-2024-25-shared-ownership) — accessed 2026-05-17 — backs: National scale & statistics (18,603 initial sales, ~70% FTB), Eligibility - [RSH — registered provider social housing stock and rents 2024-25 / SDR 2025 (GOV.UK news)](https://www.gov.uk/government/news/rsh-publishes-annual-statistics-on-stocks-and-rents-in-the-social-housing-sector) — accessed 2026-05-17 — backs: National scale & statistics (LCHO 6%, +13,900, 98% PRP), Major national providers (FPRP significance) - [SAHP 2026-2036 — MHCLG policy statement to accompany guidance to bidders (GOV.UK)](https://www.gov.uk/government/publications/launching-the-social-and-affordable-homes-programme-2026-to-2036/social-and-affordable-homes-programme-2026-2036-mhclg-policy-statement-to-accompany-guidance-to-bidders-from-homes-england-and-the-greater-london-aut) — accessed 2026-05-17 — backs: National scale & statistics (£39bn / £27.3bn outside London, ≥60% Social Rent, AHP→SAHP transition) - [UK House Price Index summary: February 2026 (ONS/HM Land Registry, GOV.UK)](https://www.gov.uk/government/statistics/uk-house-price-index-for-february-2026/uk-house-price-index-summary-february-2026) — accessed 2026-05-17 — backs: Region-by-region (all regional avg house prices + annual change), Regional comparison table - [GOV.UK Capital Funding Guide — 1. Shared Ownership](https://www.gov.uk/guidance/capital-funding-guide/1-shared-ownership) — accessed 2026-05-17 — backs: Eligibility (income caps, share rules) - [Share to Buy — Shared Ownership: Eligibility and prioritisation](https://www.sharetobuy.com/shared-ownership/shared-ownership-eligibility-and-prioritisation/) — accessed 2026-05-17 — backs: Eligibility (min 10% share, FTB rules, cannot-afford test) - [MoneySavingExpert — Shared Ownership scheme](https://www.moneysavingexpert.com/mortgages/shared-ownership-scheme/) — accessed 2026-05-17 — backs: Eligibility (income caps, deposit basis) - [London City Hall — Shared ownership scheme](https://www.london.gov.uk/programmes-strategies/housing-and-land/buying-and-owning-home/shared-ownership-scheme) — accessed 2026-05-17 — backs: Eligibility (London/GLA), Region-by-region (London) - [L&Q Homes — North London regions](https://lqhomes.com/regions/north-london/) — accessed 2026-05-17 — backs: Region-by-region (London entry prices, L&Q provider) - [Sovereign Network Group (SNG) — new shared ownership model staircasing](https://www.sng.org.uk/customers/leaseholder/new-shared-ownership-model-staircasing) — accessed 2026-05-17 — backs: Region-by-region (South East), Resale market / 1% staircasing - [GOV.UK — Find an organisation that sells Shared Ownership homes in England](https://www.gov.uk/guidance/find-an-organisation-that-sells-shared-ownership-homes-in-england) — accessed 2026-05-17 — backs: Region-by-region (provider directory: Orbit, Aster, Peabody), Major national providers - [Platform Home Ownership — Shared Ownership deposits](https://www.platformhomeownership.com/advice-and-guidance/shared-ownership/shared-ownership-deposits) — accessed 2026-05-17 — backs: Region-by-region (East/West Midlands — Platform) - [Whathouse — Shared Ownership North East England (May 2026)](https://www.whathouse.com/shared-ownership/north-east-england/) — accessed 2026-05-17 — backs: Region-by-region (North East entry prices) - [Whathouse — Shared Ownership North Yorkshire (May 2026)](https://www.whathouse.com/shared-ownership/north-yorkshire/) — accessed 2026-05-17 — backs: Region-by-region (Yorkshire & the Humber) - [CBRE / Insider Media — Shared ownership expanding in the North](https://www.insidermedia.com/news/north-west/shared-ownership-expanding-in-the-north-with-affordability-driving-demand-cbre) — accessed 2026-05-17 — backs: Region-by-region (North West / North growth), Affordability differential - [SOWN — Supply, demand and pricing: what's shaping the SO market in 2026](https://www.sown.co.uk/about-us/news/supply-demand-and-pricing-what-s-shaping-the-shared-ownership-market-in-2026/) — accessed 2026-05-17 — backs: Region-by-region (affordability/share-size differential), SOWN provider scale - [SOWN — Shared Ownership homes & properties across the UK](https://www.sown.co.uk/) — accessed 2026-05-17 — backs: Major national providers (Southern Housing scale) - [Sage Homes (corporate site)](https://www.sagehomes.co.uk/) — accessed 2026-05-17 — backs: Major national providers (Sage = largest affordable provider / FPRP) - [Inside Housing — Shared ownership provider launched after £405m deal (Sparrow/Sage/USS)](https://www.insidehousing.co.uk/news/shared-ownership-provider-launched-after-405m-deal-with-for-profit-and-pension-fund-88044) — accessed 2026-05-17 — backs: Major national providers (Sage £405m deal, Sparrow, FPRP capital) - [Housing Today — Blackstone-backed Sage sells 3,000-home SO provider to USS](https://www.housingtoday.co.uk/news/blackstone-backed-sage-sells-3000-home-shared-ownership-provider-to-universities-pension-fund/5130957.article) — accessed 2026-05-17 — backs: Major national providers (Sage/Blackstone origin, 3,000 homes/250 sites) - [HomeViews — Top 5 housing associations according to shared owners](https://www.homeviews.com/blog/top-5-housing-associations-according-to-shared-owners) — accessed 2026-05-17 — backs: Major national providers (Clarion and peers) - [Places for People — Shared Ownership in the UK](https://www.placesforpeople.co.uk/new-homes/ways-to-buy/shared-ownership/) — accessed 2026-05-17 — backs: Major national providers (Places for People) - [Home Reach (Heylo) — Shared Ownership Scheme England](https://www.homereach.org.uk/) — accessed 2026-05-17 — backs: Major national providers (Heylo/Home Reach FPRP) - [GOV.UK — Older Persons Shared Ownership (OPSO)](https://www.gov.uk/guidance/older-persons-shared-ownership-opso) — accessed 2026-05-17 — backs: OPSO & HOLD variants (OPSO 55+, 75% cap, no rent at 75%) - [Unbiased — What is the Older Persons Shared Ownership (OPSO) scheme?](https://www.unbiased.co.uk/discover/mortgages-property/buying-a-home/what-is-the-older-persons-shared-ownership-opso-scheme) — accessed 2026-05-17 — backs: OPSO & HOLD variants (OPSO eligibility detail) - [GOV.UK — Home Ownership for people with a long-term disability (HOLD)](https://www.gov.uk/guidance/home-ownership-for-people-with-a-long-term-disability-hold) — accessed 2026-05-17 — backs: OPSO & HOLD variants (HOLD eligibility, open-market option) - [GOV.UK — AHP 2021-2026 HOLD Key Information Documents](https://www.gov.uk/government/publications/affordable-homes-programme-2021-to-2026-home-ownership-for-people-with-long-term-disabilities-key-information-documents) — accessed 2026-05-17 — backs: OPSO & HOLD variants (HOLD framework) - [LGA — HOLD and shared ownership step-by-step guide (PDF)](https://www.local.gov.uk/sites/default/files/documents/HOLD%20and%20shared%20ownership%20and%20step%20by%20step%20guide_FINAL.pdf) — accessed 2026-05-17 — backs: OPSO & HOLD variants (HOLD provider-dependent acquisition) - [Share to Buy (national portal)](https://www.sharetobuy.com/) — accessed 2026-05-17 — backs: Resale market & Share to Buy national role - [Share to Buy — Shared Ownership Staircasing Guide](https://www.sharetobuy.com/shared-ownership/shared-ownership-staircasing-guide/) — accessed 2026-05-17 — backs: Resale market (1% staircasing, resale definition) ### Devolved nations (Wales / Scotland / NI) # Sources — Devolved Nations (B) - [Help to Buy – Wales | GOV.WALES](https://www.gov.wales/help-buy-wales) — accessed 2026-05-17 — backs: Wales / Help to Buy structure & status - [Help to Buy – Wales: Eligibility | GOV.WALES](https://www.gov.wales/help-buy-wales/eligibility) — accessed 2026-05-17 — backs: Wales / Help to Buy £300k cap, deposit - [£600 million milestone for Help to Buy – Wales | GOV.WALES](https://www.gov.wales/600-million-milestone-help-buy-wales-scheme-continues-support-homeownership-dreams) — accessed 2026-05-17 — backs: Wales / Help to Buy extension to 30 Sep 2026 - [Help to Buy – Wales: A Complete Guide | moneyhelpdesk](https://www.moneyhelpdesk.com/mortgages/government-schemes/help-to-buy-wales/) — accessed 2026-05-17 — backs: Wales / Help to Buy interest 1.75% CPI+2% - [Homebuy – Wales | GOV.WALES](https://www.gov.wales/homebuy-wales) — accessed 2026-05-17 — backs: Wales / Homebuy equity loan 30–50%, rural - [Shared Ownership – Wales | GOV.WALES](https://www.gov.wales/shared-ownership-wales) — accessed 2026-05-17 — backs: Wales / Shared Ownership share %, rent, staircasing - [Rent to Own – Wales | GOV.WALES](https://www.gov.wales/rent-own-wales) — accessed 2026-05-17 — backs: Wales / Rent to Own mechanics - [Tai Teg | Schemes](https://taiteg.org.uk/en/schemes) — accessed 2026-05-17 — backs: Wales / Tai Teg register, £16k–£60k income, application route - [Written Statement: draft Commonhold and Leasehold Reform Bill (30 Jan 2026) | GOV.WALES](https://www.gov.wales/written-statement-publication-draft-commonhold-and-leasehold-reform-bill) — accessed 2026-05-17 — backs: Wales / leasehold-commonhold reform, ground rent cap - [Housing law is changing: Renting Homes Wales | GOV.WALES](https://www.gov.wales/housing-law-changed-renting-homes) — accessed 2026-05-17 — backs: Wales / Renting Homes (Wales) Act 2016 context - [Low-cost Initiative for First Time Buyers (LIFT) — gov.scot](https://www.gov.scot/policies/homeowners/low-cost-initiative-for-first-time-buyers/) — accessed 2026-05-17 — backs: Scotland / LIFT OMSE & NSSE overview - [Open Market Shared Equity scheme — mygov.scot](https://www.mygov.scot/open-market-shared-equity-scheme) — accessed 2026-05-17 — backs: Scotland / OMSE closed status, priority groups - [Open Market Shared Equity — how it works — mygov.scot](https://www.mygov.scot/open-market-shared-equity-scheme/how-it-works) — accessed 2026-05-17 — backs: Scotland / OMSE title in your name, sale share - [What size and percentage of a home can you have? — OMSE Buyer Information | gov.scot](https://www.gov.scot/publications/open-market-shared-equity-omse-scheme-buyer-information-2/pages/7/) — accessed 2026-05-17 — backs: Scotland / OMSE 60–90% buyer stake, 10–40% govt - [Shared Ownership — mygov.scot](https://www.mygov.scot/shared-ownership) — accessed 2026-05-17 — backs: Scotland / HA Shared Ownership scarce supply - [Shared Ownership — how it works — mygov.scot](https://www.mygov.scot/shared-ownership/how-it-works) — accessed 2026-05-17 — backs: Scotland / HA Shared Ownership 25/50/75% share - [Shared Ownership / Equity — Kingdom HA, Fife](https://www.kingdomhousing.org.uk/your-tenancy/home/shared-ownership-equity/) — accessed 2026-05-17 — backs: Scotland / occupancy charge - [Buying a home with shared ownership or shared equity — Shelter Scotland](https://scotland.shelter.org.uk/housing_advice/housing_options/affordable_homeownership) — accessed 2026-05-17 — backs: Scotland / golden share, occupancy charge, staircasing - [Shelter Legal Scotland — Conventional shared ownership](https://scotland.shelter.org.uk/professional_resources/legal/home_ownership/sharedlow-cost_home_ownership/conventional_shared_ownership) — accessed 2026-05-17 — backs: Scotland / pre-emption, Scots-law structure vs England - [LIFT Open Market | Link Group — Link Housing](https://linkhousing.org.uk/lift/) — accessed 2026-05-17 — backs: Scotland / Link Shared Equity as administrator - [Homeowners — gov.scot](https://www.gov.scot/policies/homeowners/) — accessed 2026-05-17 — backs: Scotland / First Home Fund historic/closed - [Low-cost Initiative for First Time Buyers (LIFT), Scotland | Rightmove](https://www.rightmove.co.uk/guides/buyer/ways-to-buy/low-cost-initiative-for-first-time-buyers-lift-scotland/) — accessed 2026-05-17 — backs: Scotland / LIFT min 5% equity increase - [Understanding Co-Ownership | co-ownership.org](https://co-ownership.org/understanding-co-ownership) — accessed 2026-05-17 — backs: NI / 50–90% share, rent, eligibility, price cap - [Co-Ownership — NIFHA](https://nifha.org/members/co-ownership-housing/) — accessed 2026-05-17 — backs: NI / single body since 1978, 30k households, funding/FibreNI - [Co-Ownership Mortgages in Northern Ireland | mortgagesnorthernireland.com](https://mortgagesnorthernireland.com/first-time-buyer-mortgages/co-ownership-mortgages) — accessed 2026-05-17 — backs: NI / staircasing 5%+, to 100% - [Co-Ownership 2025: Your Guide — J J Taylor & Co Solicitors](https://jjtaylorsolicitors.com/co-ownership-2025-your-guide-to-shared-home-ownership-in-northern-ireland/) — accessed 2026-05-17 — backs: NI / 99-yr Equity Sharing Lease, £210,000 cap from 1 Apr 2025 - [A Guide to Mortgage Schemes in Northern Ireland — moneyhelpdesk](https://www.moneyhelpdesk.com/mortgages/government-schemes/northern-ireland-co-own-rent-to-own/) — accessed 2026-05-17 — backs: NI / property types, responsibilities (rates, maintenance) ### Nationally reported good & bad # Index C — Sources for C-reported-good-bad.md - [NAO — Investigation into shared ownership, HC 1742 (summary PDF)](https://www.nao.org.uk/wp-content/uploads/2026/03/investigation-into-shared-ownership-summary.pdf) — accessed 2026-05-17 — backs: TL;DR, The bad (NAO HC 1742), The good (official acknowledgement / SAHP 2026–2036), themes table - [NAO — Investigation into shared ownership (report page)](https://www.nao.org.uk/reports/investigation-into-shared-ownership/) — accessed 2026-05-17 — backs: The bad (NAO HC 1742) - [Introducer Today — NAO concern over efficacy of shared ownership](https://www.introducertoday.co.uk/breaking-news/2026/03/national-audit-office-concern-over-efficacy-of-shared-ownership-model/) — accessed 2026-05-17 — backs: The bad (NAO HC 1742) - [Shared Ownership Resources — NAO report response](https://www.sharedownershipresources.org/campaigning/reports/nao-shared-ownership-report/) — accessed 2026-05-17 — backs: The bad (campaign groups), themes table - [HQN — Shared Ownership Resources open letter to the NAO](https://hqnetwork.co.uk/news/opinion-shared-ownership-resources-open-letter-to-the-national-audit-office/) — accessed 2026-05-17 — backs: The bad (campaign groups) - [Property Industry Eye — Panorama investigates the government's shared ownership scheme](https://propertyindustryeye.com/panorama-investigates-the-governments-shared-ownership-scheme/) — accessed 2026-05-17 — backs: The bad (national press / Panorama), themes table - [BBC Panorama — The Home I Can't Afford (YouTube)](https://www.youtube.com/watch?v=rZxydf_hLf0) — accessed 2026-05-17 — backs: The bad (national press / Panorama) - [Southwark News — Living in a home you can't afford](https://southwarknews.co.uk/area/southwark/living-in-a-home-you-cant-afford-southwark-mum-caught-up-in-cladding-scandal-features-in-documentary-on-pitfalls-of-shared-ownership-schemes/) — accessed 2026-05-17 — backs: The bad (cladding / Deepa Mistry), themes table - [Letting Agent Today — Shared ownership complaints soar (summarising BBC investigation)](https://www.lettingagenttoday.co.uk/breaking-news/2025/06/shared-ownership-complaints-soar-is-it-worse-that-pure-renting/) — accessed 2026-05-17 — backs: TL;DR, The bad (BBC June 2025 / complaint volumes), themes table - [BBC News tweet — "Shared ownership: It's a con and we felt trapped"](https://x.com/BBCNews/status/1934523848109552013) — accessed 2026-05-17 — backs: The bad (BBC June 2025) - [The Lead — The Lead Untangles: shared ownership a 'trap'?](https://national.thelead.uk/p/the-lead-untangles-shared-ownership-risks-trap-costs-property) — accessed 2026-05-17 — backs: The bad (Jamie case study / regional loss data), themes table - [The Spectator — The perils of shared ownership](https://spectator.com/article/the-perils-of-shared-ownership/) — accessed 2026-05-17 — backs: The bad (national press) - [Inside Housing — housing association could make £20m extending SO leases (BBC investigation)](https://www.insidehousing.co.uk/news/housing-association-could-make-20m-from-extending-shared-ownership-leases-bbc-investigation-finds-68755) — accessed 2026-05-17 — backs: The bad (lease-extension profiteering), themes table - [Cornerstone Barristers — Richardson v Midland Heart Ltd [2008] L&TR 31](https://cornerstonebarristers.com/richardson-v-midland-heart-ltd-2008-landtr-31/) — accessed 2026-05-17 — backs: The bad (forfeiture case law), themes table - [Nearly Legal — Shared Ownership, Midland Heart with transcript](https://nearlylegal.co.uk/2008/09/shared-ownership-midland-heart-with-benefit-of-transcript/) — accessed 2026-05-17 — backs: The bad (forfeiture case law), themes table - [Leasehold Knowledge Partnership — shared ownership a misnomer worse than renting](https://www.leaseholdknowledge.com/shared-ownership-a-misnomer-that-can-be-worse-than-renting-and-worse-than-leasehold-says-solicitor/) — accessed 2026-05-17 — backs: The bad (LKP / Giles Peaker / Ground 8), themes table - [Housing Ombudsman — shared ownership complaints in latest Insight report](https://www.housing-ombudsman.org.uk/2024/09/26/shared-ownership-complaints-in-latest-insight-report/) — accessed 2026-05-17 — backs: The bad (Ombudsman thematic findings), The good (advocate defence), themes table - [Housing Ombudsman — Shared ownership Insight report (PDF)](https://www.housing-ombudsman.org.uk/app/uploads/2024/10/V2.Insight-report-Insight-on-shared-ownership.pdf) — accessed 2026-05-17 — backs: The bad (Ombudsman thematic findings) - [Housing Ombudsman — Spotlight: leasehold, shared ownership and new builds (PDF)](https://www.housing-ombudsman.org.uk/app/uploads/2025/11/Housing-Ombudsman-Spotlight-report-on-leasehold-.pdf) — accessed 2026-05-17 — backs: The bad (Spotlight Nov 2025) - [Housing Ombudsman — Spotlight report page (leasehold, shared ownership, new builds)](https://www.housing-ombudsman.org.uk/reports/spotlight-reports/leasehold-shared-ownership-and-new-builds/) — accessed 2026-05-17 — backs: The bad (Spotlight Nov 2025), themes table - [LUHC Committee — Shared Ownership report HC 61 (HTML)](https://publications.parliament.uk/pa/cm5804/cmselect/cmcomloc/61/report.html) — accessed 2026-05-17 — backs: The bad (select committee inquiry / two-tier market), themes table - [TSM 2024-25 Headline report, MHCLG/RSH (PDF)](https://assets.publishing.service.gov.uk/media/690366b8e2ebc0fb39a51ff9/20250814_TSM_Headline_Pub_2024-25_FINAL.pdf) — accessed 2026-05-17 — backs: TL;DR, The bad (RSH satisfaction ~49%), themes table - [National Housing Federation — Tenant Satisfaction Measures 2025 key insights](https://www.housing.org.uk/resources/tenant-satisfaction-measures-2025-key-insights/) — accessed 2026-05-17 — backs: The bad (RSH satisfaction ~49%), themes table - [LiveWest — New shared ownership lease model FAQs](https://www.livewest.co.uk/new-shared-ownership-lease-model-faqs) — accessed 2026-05-17 — backs: The good (2021 model lease), themes table - [Leasehold Advisory Service — government response to New Model for Shared Ownership consultation](https://www.lease-advice.org/news-item/government-publishes-response-to-the-new-model-for-shared-ownership-technical-consultation/) — accessed 2026-05-17 — backs: The good (2021 model lease), themes table - [Share to Buy — success stories (PROMOTIONAL)](https://www.sharetobuy.com/success-stories/) — accessed 2026-05-17 — backs: The good (success stories / staircasing), themes table - [Property Industry Eye — shared ownership boosts first-time buyer activity, Connells](https://propertyindustryeye.com/shared-ownership-boosts-first-time-buyer-activity-connells-finds/) — accessed 2026-05-17 — backs: The good (industry data), themes table - [Savills — Shared Ownership case studies (PROMOTIONAL)](https://www.savills.co.uk/case-studies/shared-ownership.aspx) — accessed 2026-05-17 — backs: The good (provider case studies) - [SNG Sales — stories from our shared owners (PROMOTIONAL)](https://sales.sng.org.uk/case-studies) — accessed 2026-05-17 — backs: The good (provider case studies)