Home Ownership for People with Long-Term Disabilities (HOLD)

A shared ownership solution for people with long-term disabilities

 

If you have a long-term disability and are unable to buy a home in another Shared Ownership scheme that meets your needs, HOLD offers you the chance to buy a home on the open market on the same terms as Shared Ownership.

This means that you can buy an initial share of a home - between 10% and 75% - and pay rent on the remainder. You can then buy more shares in your home in the future, as and when you can afford to do so (this is known as staircasing). 

You may be eligible to buy a home through HOLD if you have a long-term disability and your household income is £80,000 or less (or £90,000 or less in London). Jack Marsh in the SHFS team specialises in HOLD Mortgages, so can talk you through the eligibility criteria and review your options. 

Please note that HOLD Mortgages are currently available in England only. 

 

  • ''SHFS couldn't be more helpful, knowledgeable, friendly and fast at responding. Would highly recommend.''

    — Jess B

  • ''Tom managed to find us a better deal than we got going directly to banks. He has been there every single step of the way and we cannot thank him enough. We would not go anywhere else now.''

    — Elizabeth B

  • ''I am a first time buyer and Tom has been extremely helpful, no question too silly, very professional and easily contactable. Tom has made the process a lot less daunting and found me the best deal.''

    — Zofia

  • ''I wasn't sure if I was suitable for a mortgage, but I cannot recommend Kelly and the team any more highly. Any person needing a mortgage can rest assured they will do nothing but the very best for you.''

    — Kyle W