Buying more shares

Shared owners start off by purchasing a 25-75% share of their home so almost all shared owners can buy more shares at a later date if they want to and can afford to. This is called 'staircasing'. There are occasionally some properties where you can’t quite buy 100%.

FAQs about staircasing

Below we’ve listed some of the most common questions customers ask us around staircasing. If you have any further questions we haven’t managed to answer here, just get in touch and a member of our Shared Ownership team will be able to run you through it all with you.

When's a good time to buy more shares?

If you have just…

  • been promoted
  • changed jobs or got a large pay increase
  • inherited some money
  • if you have a new partner living with you

Also, if you bought your property a few years ago, you may be pleasantly surprised to find out that you have built up some equity in the property which could put you in a strong position to buy more shares.

Shared owners can increase the share they own in their property at any time but it is important to consider all the related costs before you proceed.

In addition, your rent account and any other charges due must be up to date now and throughout the process. Don’t forget, the more additional shares you purchase, the lower the rent you’ll pay your Housing Association!


How is the purchase price calculated?
What happens to my rent?
What is the minimum I can buy?
What costs will I be expected to pay?
Getting started
Getting your property valued