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1Scan for outdated or missing drivers - takes under a minute2Clear out junk files and repair common Windows errors3Fix the driver behind crashes, sound loss and screen glitchesYes. For shared ownership in England, the current annual household income limits are £80,000 outside London and £90,000 in London. Meeting the relevant limit does not guarantee acceptance: applicants must also satisfy the scheme’s other conditions and show they cannot afford a suitable home outright. Providers assess affordability and sustainability.
What are the current shared ownership income caps?
GOV.UK’s current eligibility guidance sets the annual household income limit at £80,000 outside London and £90,000 in London. These are England scheme limits, not one UK-wide threshold. The Greater London Authority also states a £90,000 gross household income limit for London.
The cap is an eligibility threshold, not a measure of how much a provider will lend or a guarantee that a particular application will be approved. Applicants must meet the other applicable scheme requirements and pass an affordability assessment.
How household income is assessed
For Homes England grant-funded homes outside London, the Capital Funding Guide specifies gross household income. The assessment generally considers income from relevant household members whether or not they are named as applicants. That means the calculation may not be limited to the income of the person submitting the application.
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The guide identifies circumstances that may be excluded or taken into account, including some disability benefits, fostering or adoption payments, child maintenance, and ongoing health or care expenses. It also says evidenced, known future income changes may be considered. These provisions do not mean applicants can automatically deduct any expense or disregard income; ask the provider what documentation and calculation rules apply to the specific home.
Homes England’s detailed funding rules should not be assumed to govern every provider or scheme. London has separate Greater London Authority funding guidance, while GOV.UK sets out the general applicant-facing requirements. Confirm the applicable calculation with the provider.
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Do the limits change for other shared ownership routes?
| Route | Income limit stated in guidance | Additional point |
|---|---|---|
| Standard shared ownership in England | £80,000 outside London; £90,000 in London (GOV.UK guidance, accessed 2026) | Applicants must also meet other eligibility requirements and affordability checks. |
| Right to Shared Ownership | £80,000 outside London; £90,000 in London (GOV.UK guidance, accessed 2026) | The route has added conditions, including living in an eligible rented home and meeting qualifying social or affordable tenancy-history requirements. |
| Older Persons Shared Ownership (OPSO) | £80,000 outside London; £90,000 in London (Homes England guidance) | The route is for people aged 55 or over buying a home advertised under OPSO; usual affordability and other eligibility checks still apply. |
What to do before applying
- Identify the route and location. Check whether the home is standard shared ownership, Right to Shared Ownership or OPSO, and whether it is in London or elsewhere in England.
- Ask how the provider calculates household income. For a Homes England-funded home, ask how its gross-income assessment applies to relevant household members, potential exclusions and documented future changes.
- Check the whole eligibility test. Being under the cap does not replace route-specific conditions or the requirement to show that you cannot afford a suitable home outright.
- Get an affordability assessment. Homes England says it should be carried out by a suitably qualified, experienced and regulated mortgage or financial adviser. The provider can explain how this assessment fits its application process.
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