Is it possible to have a private shared ownership arrangement?

[Butterflyhelp]

If for example I had some cash, approx half the value of a small house and I wanted to help a young couple get on the housing ladder. Could we enter into an official shared ownership arrangement?

How would it work? Presumably they need to pay rent on the half they don't own? Does that need to be at a market rate? Are there specialists or do I just need to talk to a conveyancing solicitor?

I'm not really.asling if it's a good idea, I suspect financially for me it's not, but it would be a way to help without "giving" them anything. For now I'm just interested in if it might be possible and how it would work.

You will need, as you say, to speak to a conveyancing solicitor - avoid the online only/call centre type places, you need someone who really knows what they're doing. The proposed co- owners will need separate legal advice - sounds like (and I'm not a conveyancer) you'd be looking at owning as tenants in common (with shares reflecting your respective contributions) plus an agreement that the other parties pay "rent" re your share

This would be very, very complex. If you want them to pay rent on your half then you’re not talking about a joint tenant/tenant in common. Shared ownership isn’t ownership in the true sense and really banks are only happy to lend on it because it’s so highly regulated. What you’re proposing would be a DIY job and I’d expect a mortgage lender to run a mile.

Much simpler to be co owners as tenants in common and forego the rent but bank a future equity rise.