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Shared Ownership

Through our harmoni homes brand, United Welsh offers first-time buyers and those that do not currently own a home the opportunity to purchase a share in a new build with a Shared Ownership scheme.

Shared Ownership is for people who would like to own their own home but cannot afford to buy on the open market.

You pay a mortgage on the share that you own and pay rent on the remaining share.

Because you only need a mortgage for the share you are purchasing, the amount of money required for a deposit is a lot lower when compared to the amount that would be required when purchasing outright.

You have the option to increase your share via a process known as ‘staircasing’ and can staircase all the way to 100%, thereby owning the property outright.

Shared ownership properties are always leasehold.

To see what shared ownership properties are available, visit www.harmonihomes.com

Shared Ownership Welsh Government poster United Welsh