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

  • Ownership: Between 10-75% of the home's value

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Availability: England only

Overview of scheme

If you have a long-term disability, the HOLD scheme in England could help you buy any home for sale on a shared ownership basis (part-rent/part-buy). You could buy a share of your home (between 10% and 75% of the home’s value) and pay rent on the remaining share.

You can only apply for the HOLD scheme if the homes available in the other shared ownership schemes don’t meet your needs, e.g. you need a ground-floor home.


You could buy a home through the HOLD scheme if you have a long-term disability and meet the following criteria:

  • your household earns £80,000 a year or less outside London, or your household earns £90,000 a year or less in London
  • you are a first-time buyer, you used to own a home but can’t afford to buy one now or are an existing shared owner looking to move

Only military personnel will be given priority over other groups through government funded shared ownership schemes. However, councils with their own shared ownership home-building programmes may have some priority groups, based on local housing needs.

How to apply

To buy a home through a Help to Buy: Shared Ownership scheme contact the Help to Buy agent in the area you want to live.

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Shared Ownership

A new model of Shared Ownership is being launched in 2022, which will apply to the HOLD scheme. For further information about the details of the new model, when it will be introduced, and who you should contact to find out more, please click below. It is important to note that there will be a transition period between the former and new shared ownership model. This means that until 2023 both models will be available.