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How it works

The process of buying your home

Shared Ownership

Shared ownership is a government-backed initiative that helps you to become a homeowner. Sometimes known as part buy part rent, you buy a percentage share in a brand new home, as much as you can afford, and pay a subsidised rent on the remaining share.

Shared ownership is one of the most affordable home ownership options. Other options are outlined at

If you buy a home through shared ownership:

  • Your monthly mortgage and rent can work out cheaper than buying outright. Sometimes the costs of shared ownership are the same, or cheaper, than privately renting. It is a good idea to work out your own calculations and comparisons, depending on where you wish to live. An independent mortgage advisor (IMA) can help you work through these calculations.
  • You can buy a larger share in the property at a later date (this is called “staircasing”). You can either staircase all the way to 100% ownership in one go, or in stages. The more shares you buy, the less rent you pay. We will help you when you are ready to staircase.
  • You can sell your home when you decide to. We will help you find a buyer for it.

If you wish to own your home outright, we recommend you make plans early to buy more shares. In many cases, and depending on a number of factors, property prices have a tendency to rise at a more rapid rate than incomes; consequently, some shared owners who delay decisions to staircase become less likely to be able to afford extra shares as the price of these could rise outside of their affordability range. You don’t have to staircase if you don’t want to – the choice is yours, but if you want to, our advice is to plan early to make this happen. Talk to your independent mortgage advisor about your intentions and talk to us to find out more about how it works.

As a charitable housing association, Moat supports the development of mixed tenure communities and is proud to provide homes for affordable rent and shared ownership across the South East of England. We are here to guide you through the process and to help you find a suitable and affordable home.

Register interest

Who is eligible?

Anyone can apply but priority will be given to people who live or work in the Tonbridge and Malling borough. Your annual household income must be less than £80,000. You should be unable to purchase a home suitable for your needs without assistance. You cannot be a current homeowner (or be named on the deeds of another property). You must not have any outstanding credit issues (i.e. unsatisfied defaults or county court judgements).
If you would like more information, please visit for further advice.

Register interest

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