Shared Ownership can help you get back on Civvy Street

Upon leaving Service, you will no doubt be considering the way forward to returning to life on Civvy Street.

One of the biggest issues you may face is buying a property and having somewhere to call home.

It’s a sad statistic that only 33 percent of former Army personnel own a home, compared to the Royal Navy's 59 percent, RAF's 55 percent and 46 percent of ex-Royal Marines.


Housing Options

In today's world, there are several options open to obtaining a property. These include government and Armed Forces affordable housing schemes to an interest-free advance of salary with the Forces Help to Buy scheme.

If you are unsure of the pros and cons of buying a property, use our homefinder tool to help you make the best decision.


Shared Ownership: How it Works

For Armed Forces personnel, one of the lesser-known routes to owning your own home is via Shared Ownership. 

Here, you can buy a share of property, ranging upwards to 75 percent, while the other share is 'owned' by a housing association.

A buyer will benefit from paying reduced rental terms and can increase their share of the property when they can afford to. This is known as 'staircasing' and enables the buyer to get a firm footing on the property ladder.


Eligibility: A bonus

Often most Shared Ownership schemes will come with conditions of eligibility. In most cases, Armed Forces military personnel and former members of the British Armed Forces discharged in the last two years are given priority for these properties.



With Shared Ownership, it is possible for a single occupier, couple or family on a modest income to buy into a property.

Potential shared property investors must earn a minimum of £20,000 and have a combined annual income of up to £90,000.

The government's Help to Buy scheme enables people to obtain a mortgage in London with a joint salary of £39,500. Borrowers don't have to pay Stamp Duty if their share is valued under the minimum threshold.



Many ex-Service personnel have taken advantage of Shared Ownership to establish new lives on Civvy Street, and so can you. In fact, tens of thousands of people have already accessed Shared Ownership.


Where to Start

Leading shared ownership property portal Property Booking can offer guidance, information and properties in Shared Ownership for Armed Forces personnel. You can also call them on 0800 088 5935 for more information.

Veterans’ Gateway offers housing specialist services for anyone thinking of buying a property. Visit the Veterans’ Gateway website for housing advice or call 0808 802 1212 for advice.

* Content provided by Property Booking, the shared ownership portal for first-time buyers, offering advice and guidance.

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