Confused? We hear you

We know that Rent to Buy and Shared Ownership can feel complicated at first. So, we’ve broken them down into simple, clear steps, helping you see what’s possible, and what might work for you.

Graphic showing a stylised house outline in grey and yellow with a heart shape overlapping the right side. The heart is red with a dark blue outline. Below the image, text reads: “Rent for less. Save as you go. Buy when ready.”

Rent to Buy

A simple way to get closer to owning your home.

Rent to Buy helps you move into a home now, while giving you time to save for the future.

How it works
  1. Rent for less - You rent your home at a reduced rate, helping you manage your household costs.
  2. Save as you go - Because your rent is lower, you can put money aside towards a deposit.
  3. Buy when ready - When the time is right, often within around five years, you can apply to buy your home.
Why it might be right for you
  • You’re working but finding it hard to save for a deposit
  • You want stability while you plan your next step
  • You like the idea of trying a home before buying
A step in the right direction

Rent to Buy isn’t about rushing into ownership. It’s about giving you the time and space to get there.

Find out more about Rent to Buy
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Shared Ownership

Buy a share, and grow your ownership over time.

Shared Ownership helps you get onto the property ladder sooner by buying a share of your home and paying rent on the rest.

How it works
  1. Buy a share - You purchase a share of your home (usually between 10% and 75%), based on what you can afford.
  2. Rent the rest - You pay a reduced rent on the remaining share, which is still owned by us.
  3. Own more later - When you’re ready, you can buy a larger share in your home. This is called staircasing.
Why it might be right for you
  • You can afford a mortgage, but not for the full property value
  • You want to start building equity in your own home
  • You like having the option to increase your ownership over time
A flexible way to make it yours

Shared Ownership gives you a starting point and the freedom to move forward at your own pace.

Find out more about Shared Ownership

Not sure which is right for you?

We’re here to help you understand your options and take the next step with confidence.

Email us on [email protected]

A family of four—two adults and two children—in a bright, empty room with large windows and several cardboard boxes; the adults are holding the children’s hands and carrying boxes, with a large teddy bear on the floor beside stacked boxes.

Why it matters

Schemes like Rent to Buy and Shared Ownership are designed to help people get onto the property ladder who might otherwise be priced out.

By offering a mix of tenures (social rent, affordable rent, Rent to Buy and Shared Ownership), we can create balanced communities, give customers more choice, and provide stepping stones into home ownership.

It’s all about widening access and supporting people at different stages of their housing journey, while continuing to invest in homes for social and affordable rent too. 

Register your interest in home ownership with South Liverpool Homes

Complete this quick form to register with us an be notified about our latest home ownership developments. 

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