Shared-ownership, also known as part-buy, part-rent, is a form of low-cost home ownership where the purchaser part owns and part rents their home. The scheme is designed to help people who would like to buy a home of their own but cannot afford to purchase a property outright.

You can either purchase a share in a new property or from a previously owned property from a current shared owner. For further information please read our guide to shared-ownership.


Available shared-ownership homes

To find out more about our available affordable houses and apartments please contact our Sales and Marketing Team on 0845 337 4877 or visit our dedicated shared-ownership website at


Buying more shares in your home

As a shared-owner with Paradigm you have the option to buy further shares of your home until you own 100%, but this may be subject to the terms of your lease. Buying further shares is known as 'staircasing'. You can purchase further shares from a minimum of 10% and your rent will be reduced to reflect the share you own. Read more in our guide to buying further shares


Do I need to pay a service charge?

A service charge is paid to contribute to the cost of services provided to your scheme. You are responsible for paying your service charge and rent on shared-ownership schemes.

The service charge is usually reviewed on an annual basis and our policy is to obtain value for money at all times.


Alterations and improvements to your home

If you wish to make any alterations to your property, your lease will inform you of what permissions should be obtained from Paradigm before proceeding. If you are in any doubt contact our Customer Services team on 0300 303 1010.


Repairs and maintenance

You are responsible for the repairs and maintenance to the inside of your home if it is a flat or the inside and outside if it is a house. This includes electrical cabling, gas pipes, water pipes, drainage, kitchen fittings and sanitary fittings. You are also responsible for decorating the inside and sometimes, outside of your home. Check your lease or transfer document for clarification of responsibilities or contact our Customer Services team on 0300 303 1010

Paradigm is usually responsible for repairing and maintaining all of the outside of shared-ownership buildings, along with any internal communal areas such as Stairwells, corridors and laundry rooms. The cost of any repairs or maintenance carried out by us is paid from your service charge account.