Home ownership for people with long-term disabilities
If you have a long-term disability and are interested in buying your own home, shared ownership through the HOLD scheme could be the answer.
HOLD (Home Ownership for people with Long-term Disabilities) is a government-backed scheme that helps those with disabilities to part-buy a home together with a housing association like us.
If you’re eligible, the HOLD scheme allows you to:
- choose a home that suits your needs from our range of brand new shared ownership homes; buy a share of the home (from as little as 10%–75% depending on the type of lease);
- pay subsidised rent on the rest (paid for through Housing Benefit);
- get support with the mortgage through the government’s SMI loan;
- buy more shares over time through ‘staircasing’ (if you want to); stay in the home as long as you wish.
We recently supported Tina and her 34-year-old son James, who has a rare genetic condition, to buy a home through the HOLD scheme. Read their story.
Find out more about the scheme on the government website, or get in touch. Call us on 0300 555 0500 or email newhomes@deltahousing.org.uk.