If you have a shared ownership lease, the information on this page may come in handy. The links offer useful information on everything from buying and selling shares in your home, to home improvements and remortgaging.
If your questions aren't answered here, please feel to get in touch. All our contact details are at the bottom of this page.
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.
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.
Get in touch
If you wish to contact the home ownership team, please email us at email@example.com or call us on 0300 323 0011.