Shared Ownership eligibility criteria

We’ve simplified the eligibility process by separating it into three sections:


To buy a home with us, please register with L&Q and check that you meet the Shared Ownership requirements. If you already own your home, or own a home under a Shared Ownership scheme, you can still apply for L&Q Shared Ownership provided you are currently marketing or have already sold your home. You’ll need to be at least 18 years old to be able to obtain a mortgage.


As of April 2016 previous rules have been relaxed. You are no longer required to live or work in the area where you intend to buy, and the maximum combined annual income has increased to £90,000 within London and £80,000 outside of London.

There may be a few exceptions to these rules where historic agreements have been made with local authorities about particular properties. Priority will still be given to members of the military.

For more specific information on any restrictions that might apply to the property you are interested in, visit the ‘property eligibility’ information within the development listing.


Household income requirements will differ from development to development in line with factors such as current house prices, the share for sale, and local authority policy. The general guidelines state that you must have a combined household income of less than £90,000 per year within London, and £80,000 outside of London.

L&Q will perform checks to ensure you can afford to purchase and sustain the housing costs before offering you a home.

Once you have registered your interest in a particular L&Q home, you will be sent whatever information is available for that property. More specific pricing information will become available close to the development launch. You can also keep an eye on the development listing for more information on a particular development. You can find out more about the home buying process by watching our video guide to buying a Shared Ownership home.

You will need approximately £5,000 to cover the costs of purchasing a home. These costs cover things like; the reservation fee, mortgage valuation fee, mortgage arrangement fees, solicitors’ fees, removal costs and utility connection charges.

Apply now

Shared Ownership makes it possible to own your own home – even in London. If you think you are eligible to buy an L&Q Shared Ownership home, please register with L&Q.

You can read more about the application process in our step by step guide.