shared ownership - who knows about them?

[jellyjelly]

I think i might have to move from my current house to a cheaper one and i am trying to work out if they are worth it.

I would like to know if you can ever buy 100% or if they alwasy have the right not too sell it to you? Do they have to sell it too you? I have alittle boy so would like a garden. I would love to stay here as its a lovely house but i cant afford it now due to personal circs.

How do i work out what equity i have and then how much the new mortgage could be to work out affordability?

My neighbour lives in one, she started off buying 50%, then increased it to 75%, now she has 100% equity. You normally buy the equity that is for sale then rent the rest.

can anyone buy one?

It depends on the housing association, some will see to people on low incomes only so it's best to check with them.

i have a low income and i am a single parent but i have my own home. Thats why i was unsure.

It depends on their criteria. There's no harm having a look at it and asking the current owner/renter.

I've just been accepted by a housing association and I currently have my own home with a mortgage. I need their help because of my partner's debt problems so the mortgage can only be in my name. There's a lot of hoops to jump through but none of the forms are actually difficult - you just need to provide payslips and bank statements etc.