Shared Ownership

What is shared ownership?

Shared ownership is a type of low-cost home ownership that allows people on lower incomes to purchase a 25%, 50% or 75% initial share in a property and to pay rent for the remainder of the property to Harbour Homes. Priority is given to first time buyers, those on council/housing association waiting lists and those leaving the armed forces.

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Get started with shared ownership

How to apply

Please note that we have no new properties available for shared ownership.  Any available shares being offered for sale by the existing sharing owner are advertised through channels such as ESPC and estate agents.

Buying further shares

A sharing owner can apply to Harbour Homes to purchase a further 25% share (or more if appropriate) but only if at least 12 months have passed since the initial or any other previous purchase (as per the guidelines from the Scottish Government). The purchase price is based on an independent valuation, with the cost of the valuation being met by the sharing owner.