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

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

The government launched a new model of Shared Ownership in April 2021, which will apply to the HOLD scheme. The new model should be available to purchase from 2022 (with a limited number of homes available beforehand).