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Working With Housing Associations
Understanding your housing association's role and what to expect
Caveat
Shared ownership, made simple.
No Need to Feel Intimidated
Many people worry about having a housing association involved in their home purchase. The reality is usually much simpler than expected. Housing associations are not-for-profit organisations focused on providing affordable homes—they want you to succeed as a homeowner.
What Housing Associations Actually Do
They Own the Rest of Your Home
The housing association owns the share you don’t buy. They’re your landlord for that portion, not a bank, not a developer.
They Manage the Lease
You’ll sign a lease (typically 250–999 years for a new-build, shorter on a resale) giving you the right to live there and potentially own 100% through staircasing.
They Handle Building Maintenance
For shared buildings, they organise repairs to communal areas, roofs, and external structures. You pay a service charge for this.
They Support Staircasing
Staircasing, the housing association provides guidance on valuations and has a specific process in place to deal with increasing your share.
What They Don't Do
It’s worth clearing up some common misconceptions. Housing associations are often confused with traditional landlords, but the relationship is quite different:
They don’t control your day-to-day life
They don’t inspect your home regularly
They don’t charge commercial rent rates
They don’t prevent you from selling
They don’t make it difficult to buy more shares
Tips for a Good Relationship
Keep Communication Open
If something’s unclear or you’re struggling financially, talk to them early. Housing associations are usually understanding and can offer support.
Understand Your Lease
Your lease explains what you can and can’t do. Read it before making major changes to your property.
Pay Attention to Service Charges
These can increase annually. Ask for a breakdown if costs seem unclear; you have a right to see how they’re calculated.
Know Your Rights
You’re a leaseholder, not a tenant. You have legal protections and the right to challenge unfair charges.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage.
We'll Guide You Through It
Working with housing associations is part of Shared Ownership, and we’re here to help you understand every step.