Home Ownership for people with Long-term Disabilities (HOLD) is not a separate HomeBuy product but a route into shared ownership. You should apply for affordable home ownership in the standard way by completing our application form. All applicants must meet the eligibility criteria for the scheme - ie be a first-time buyer in housing need with an income of less than £60k. You will need to be able to sustain the cost of home ownership. You are required to either have sufficient savings to cover the initial purchase or be able to secure a mortgage.

PLEASE NOTE: There are currently no lenders providing interest-only mortgages for applicants intending to cover their mortgage repayments solely through Support for Mortgage Interest (SMI) benefit.