There are more people wanting shared ownership homes than there are homes available. Because of this, homes are offered on a first‑come, first‑served basis to people who meet the eligibility and affordability rules.
Shared ownership homes are offered in this order:
Local authority priority
Some homes must go to certain people first, as set out in legal agreements for that scheme (called Section 106 agreements). These may change over time.
Ministry of Defence (MOD) personnel
Service personnel may be given priority, following Homes England rules.
First to pass the affordability check
The first person to successfully pass the initial affordability check will be prioritised, as long as their application form is fully and correctly completed.
If more people qualify than there are homes, homes will be offered in the order that affordability checks are approved.
Date of enquiry
If two or more people pass the affordability check at exactly the same time, priority will be given to the person who contacted B3Living first.
Wheelchair‑adapted homes
Wheelchair users will be prioritised for homes that are adapted or can be adapted for wheelchair use.
Once a home is offered, the applicant must complete the full financial assessment within five working days. If they do not, the offer will be withdrawn and given to the next eligible person.
If an applicant needs more time, they should tell the Sales Manager so their situation can be considered.
Each home is only offered to one person at a time.
If that person does not pass the full financial assessment, the home will be offered to the next eligible applicant. This helps avoid delays and unnecessary costs for customers.
B3Living must follow Homes England rules when checking how much spare money a customer has each month if they are buying a shared ownership home.
All applicants must have at least 10% of their take‑home income left over each month after paying for housing costs and other regular expenses.
This 10% rule is based on standard practice across the housing industry and helps make sure shared ownership homes remain affordable for customers
B3Living will accept a mortgage of up to 95% of the property’s value.
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