SO: the consumer perspective

Share this...

Shared Ownership: The Consumer Perspective’ is the first review of the shared ownership scheme to focus exclusively on the consumer perspective. The experiences of shared owners underpin the content and recommendations of this report, with a particular focus on long-term outcomes and impact.

Shared Ownership: The Consumer Perspective assesses claims made by government for shared ownership – that it is affordable, a pathway to full ownership, fair, user-friendly and a good product for the market to deliver. It finds that the experience of shared ownership can fall short of these claims. The findings are topical given government proposals to expand grant funding for shared ownership; an increased government and regulatory focus on consumer satisfaction, consumer outcomes and consumer protection; and forthcoming legislative reform.

This report makes a total of 18 recommendations for multi-agency reform. The primary focus is on the need for changes to:

  • legislation
  • regulation
  • design and delivery
  • marketing, and
  • sources of information and advice for homebuyers and shared owners

The report is primarily for decision makers in government, its agencies, regulators and housing providers.

It is also intended as a key resource for the campaign for reform, a campaign that will only grow in momentum in coming years.

The Executive Summary and Full Report can be downloaded below.


The recommended donation for downloading the full report is £8.50.

Contributions help to support the work of the Shared Ownership Resources project. (Shared owners, please donate on a ‘pay what you can afford’ basis – no minimum!).



Donate Button


Related press

21 July 2023 – Housing Digital, MPs to question shared ownership’s promise

21 July 2023 – Inside Housing, New inquiry into shared ownership will examine viability and service charge affordability

6 July 2023 – The Lead, The Next Housing Crisis: Shared Ownership

14 June 2023 – Evening Standard, Shared ownership: alarm started over affordability as few Londoners staircased to full ownership last year

14 June 2023 – LondonWorld, Londoners trapped in shared ownership

12 June 2023 – Red Brick Blog, Shared Ownership: The Consumer Perspective

12 June 2023 – Public Finance, Housing associations’ ‘narrow focus’ on property sales harming quality

7 June 2023 – HQN, Q&A with Alistair McIntosh, The Leasehold Summit 2023 – What will the future bring for homeownership?

7 June 2023 – Mortgage Solutions, Campaign group hits out at misleading shared ownership ads

6 June 2023 – The Intermediary, Shared Ownership Resources calls for new Shared Ownership advertising regulations

6 June 2023 –, Housebuyers warned over ‘misleading’ shared ownership ads

5 June 2023 – Property Industry Eye, Report takes aim at ‘shortcomings’ of shared ownership

31 May 2023 – Inside Croydon, Homes report warns of ‘unsustainable’ shared ownership deals

31 May 2023 – Inside Housing, Improved data on outcomes and satisfaction is needed if we want to improve shared ownership

30 May 2023 – Inside Housing, Shared ownership can become ‘financially unsustainable’ for buyers over time, report warns.

17 May 2023 – Shared Ownership Resources’ response to the Levelling Up, Housing and Communities (LUHC) Committee inquiry on the finances and sustainability of the social housing sector draws heavily on the report.

Be First to Comment

Leave a Reply

Your email address will not be published. Required fields are marked *