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GrantWales

Shared Ownership (Wales)

Welsh Government, delivered by housing associations / registered social landlords

Details being confirmed

Some figures on this page (such as the amount, deadline, or rate) are provisional and due a fresh verification pass against the official source. Please confirm the current details using the official link below before relying on this information.

Description

Wales' part-buy, part-rent route into home ownership: you buy an initial share of between 25% and 75% of a property's value from a housing association and pay rent on the share you don't own, with the option to staircase up later. Homes are delivered by registered social landlords, and in North and Mid Wales the usual way in is the Tai Teg register. There's no published national price cap or income limit — eligibility is set by the landlord for each scheme, which is why availability and criteria vary noticeably between areas.

Amount

Buy an initial 25%–75% share, paying rent to the landlord on the remainder

Deadline

Rolling / no fixed deadline

Eligibility summary

  • Available in: Wales.
  • Open to individuals — not restricted to businesses.
  • Relevant income bands: earning under the Personal Allowance, basic rate taxpayers.
Notes
Rent on the retained share and any local price caps are set scheme by scheme rather than nationally, so no single figure can be quoted. In North and Mid Wales, registering with Tai Teg is normally the first step. Distinct from Homebuy – Wales, a separate equity-loan scheme (typically 30%–50% of the purchase price) that is only available in some areas and subject to local authority or RSL criteria, and from Rent to Own – Wales, which gov.wales confirms is now closed with all homes built and let.
Requirement
Unable to afford to buy a suitable home outright on the open market, and accepted by the housing association delivering the specific scheme.

Want help with this application?

This one is usually simple enough to do yourself using the free official link below — but if you'd rather have help, we're building relationships with vetted professionals and can let you know if that becomes available.

Some of the organisations we may connect you with pay us a referral fee if you use their service. This never affects which listings you see in the directory. No live partner is confirmed yet for this listing.

You can also do this yourself for free via the official source

How to apply

Contact housing associations operating in your area (or register with Tai Teg in North and Mid Wales) to find shared ownership homes and apply; each landlord runs its own eligibility assessment.

View official source

Other areas' version of this scheme

Shared Ownership (Wales) is run locally — here's the same scheme in other areas.

Grant

Shared Ownership (England)

Homes England (Greater London Authority in London); homes sold and managed by housing associations

Part-buy, part-rent: you buy a share of a housing association home and pay rent on the rest, which cuts the deposit and mortgage you need. Under the current programme rules you can start from as little as 10% (most homes are offered between 25% and 75%), and rent on the share you don't own is capped at 3% of its value a year at first sale, with providers encouraged to average no more than 2.75%. Newer homes come with a 990-year lease and a 10-year 'initial repair period' during which the landlord — not you — picks up essential repair and maintenance costs, and you can staircase up in 1% steps for the first 15 years rather than being forced into 5% or 10% chunks. Household income has to be £80,000 a year or less (£90,000 in London).

Buy a 10%–75% share (most homes 25%–75%), with rent on the unsold share capped at 3% of its value a year at initial saleRolling / no fixed deadlineEngland

Last verified: 22 September 2026. See the footer disclaimer — this is general information, not financial or tax advice.