Shared owners

Thinking of selling up?

If you're thinking of selling and moving on, our dedicated re-sales team are here to help you.

Thinking of purchasing further shares?

Most shared owners have the right to purchase further shares in their homes - this is known as ‘staircasing’.

Making home improvements

As a shared owner, you must obtain our permission before you undertake improvements to your home.

Extending your shared ownership lease

If your circumstances change, you may wish to extend the years remaining on your shared ownership lease.

Re-mortgaging/additional borrowing

If your mortgage rate is coming to an end, you may wish to contact your mortgage advisor/lender to arrange a new deal. If you are changing lender or borrowing further money, the mortgage lender will need Moat's consent to the Mortgagee Protection Clause (MPC).

Transferring your lease into sole/joint names

If your circumstances change, you may wish to add (or remove) someone to your lease.

Sub-letting your shared ownership home

There is a clause in your shared ownership lease that prohibits you from sub-letting your home. In some exceptional circumstances we may agree for shared owners to sub-let their home for a short period of time.

General information about your shared ownership lease

This information is for Moat customers with a shared ownership lease. It is provided purely as a guide to outline the main rights and responsibilities (yours and Moat’s) under the terms of your lease.

Struggling with money?

If you are struggling to maintain your mortgage and / or rent payments, we may be able to help you.

Home ownership administration fees

Please click on the link below to view our current administration fees.