Shared Ownership Resources

Is shared ownership worth it? Does shared ownership simply penalise people for not being able to afford to buy on the open market in the first place? One shared owner explains how exactly how much her home cost over the long-term. ⬇️ sharedownershipresources.org/shared-ownersh…

@LovellPropguru @LostInSW19 @HomesEngland And that’s the point really. Shared owners are required to have a RICS valuation, have no right to the kind of conversation you had with your valuer, plus they’re liable to pay over any difference. It’s not the variation at issue; it’s the lack of control over the resale price.

@ResourcesShared @LostInSW19 @HomesEngland …. assumptions, clearly stated. When I was lending and once got a figure that would have triggered a loan default, I asked the valuer to change one assumption and got a far higher figure on a loan I was quite comfortable with. Both things can explain why valuations can vary.

When I bought my shared ownership flat I had no expectation of stepping up the "ladder". I knew it would be unlikely. Now I can't sell because a RICS surveyor decides how much my flat must sell for. I don't have a say. Even in this market, RICS surveyors overvalue. #Trapped.

@Estateagentpow1 Thanks for asking. Shared ownership is an expensive way of purchasing a home, compared to buying outright. Per the My SO Home review below. sharedownershipresources.org/shared-ownersh…

Shared ownership vs buying outright 🏠 Which option actually saves more money in the UK property market? #UKProperty #SharedOwnership #FirstTimeBuyer

@moving_charlie People inheriting Older Persons Shared Ownership (OPSO) Extra Care flats face additional problems selling on, including resale restrictions and staircasing caps. sharedownershipresources.org/shared-ownersh…

Retirement flats losing tens of thousands of pounds

@judeinlondon People are told it’s government-backed, affordable and delivered by charitable bodies. So they place trust in the marketing claims. But it’s not the full picture, @judeinlondon. We challenge the ads and provide essential info for shared owners / homebuyers sharedownershipresources.org

How did people get scammed into doing shared ownership. What do you mean I pay a deposit, I pay a mortgage, I pay RENT on top of that AND I only own less than 50%?!?!

@97zeee A recent @NAOorguk report found that shared owners are well informed about initial affordability, but less so about longer term risks and costs. That’s partly down to getting the wrong info even when they ask the right questions. Also flaws in the model. sharedownershipresources.org/campaigning/op…

I don’t want to victim blame but id also like to understand this 😫

@97zeee Our website might help in understanding the issues. sharedownershipresources.org

@LovellPropguru @LostInSW19 @HomesEngland Yes, the non-HA share (within the nomination period). Unless it’s a simultaneous sale & staircasing transaction in which case the valuation applies to the HA share too). Overly complicated & causes problems if buyers won’t buy at the RICS valuation, or lender valuation is lower..

@ResourcesShared @LostInSW19 @HomesEngland My view is bafflement. I can only think of timing as for the reason for both, but I don’t understand the need for the valuation. More info needed. You’re talking about a sale of the non-HA share ?

@LovellPropguru @LostInSW19 @HomesEngland What’s your view on why shared owners should have to pay their landlord the difference between a RICS valuation and the price they can actually obtain on the open market? Why the requirement for a RICS valuation at all?

@ResourcesShared @LostInSW19 @HomesEngland I did saythat they were: the issue is skill in doing that and market proximity in knowing what is the current state/attitude of the market. The insurance industry is also an influence: PI cover conditions inevitably mean that valuations are more conservative.

New Leasehold toolkit published by @mhclg to build awareness, understanding and confidence in changes introduced by leasehold and commonhold reform. No mention of shared ownership though. Can we expect an SO toolkit anytime soon? @mtpennycook @SteveReedMP tinyurl.com/5pvswn44

Today we said goodbye to legendary housing solicitor Giles Peaker of @nearlylegal fame in the countryside just outside of Stevenage. As online conversations about housing become more febrile, his knowledge, enormous wit and ability to disagree agreeably (most of the time) will be horribly missed. Apt to Tweet farewell, as he met and brought so many people together on this app. Wonderful words from @justinbates28 too ❤️

Shared owner? Subletting? Do you know about the 31 May deadline for contacting your tenants? If not, the Q&A below explains what you need to know and do. #SharedOwnership #RentersRightsAct #Subletting sharedownershipresources.org/q-and-a-with-a…

@LovellPropguru @LostInSW19 @HomesEngland Aren't historic sold prices adjusted to take account of property market movements in the meantime? Obviously there are differences in the intent of RICS valuations and lender valuations. But buyers obtain (or not!) mortgages from lenders, so that's the valuation that matters.

@LostInSW19 @ResourcesShared @HomesEngland As an ex-RICS valuer (of #CRE) I can say that because historic evidence is required to justify the valuation (otherwise it’s a guess), it appears that valuers under-value in a rising market and over-value in a falling one. A couple of yrs ago undervaluation was the complaint.

@LostInSW19 insidehousing.co.uk/news/homes-eng…

Shared Ownership Resources welcomes the increased clarity offered by @HomesEngland updated guidance on RICS valuations, and mortgage lender ‘down valuations’. However, there is a problematic gap when it comes to shared owners forced into distressed cash sales.

@CatFinnie Maybe it would be helpful to point them in the direction of SO satisfaction rates…. We’ve published the past 2 years scores, by landlord, in our new SO Hub. sharedownershipresources.org/shared-ownersh…

There's no good route onto the first rung of the UK housing ladder (or at least England & Wales, due to leasehold). I know people trying to buy, and I try to gently warn them off shared ownership, but they're hopeful about it and it's hard

@insidehousing sharedownershipresources.org/q-and-a-with-a…

Shared ownership group warns guidance on Renters’ Rights Act exemptions comes too late dlvr.it/TSVmrC #ukhousing

Could you be our new Chair? Find out more about an exciting opportunity to lead our growth as 'a national voice for shared owners'. Deadline for applications: 11.59pm on Saturday 16th May 2026. sharedownershipresources.org/trustee-recrui…