Welcome to the Sales and Marketing division of emh.
Specialists in affordable home ownership, our friendly, experienced team can help you find a new build home that suits your circumstances and budget.
Also known as part buy, part rent - shared ownership allows you to purchase a share of a home.
Right to Buy
Please note that shared owners are not eligible for the Right to Buy as this is only available to local authority tenants in rented accommodation that meet the various applicant and property criteria or, in certain circumstances, former local authority tenants through the Preserved Right to Buy. This is set out in the Government’s Right to Buy information websites – see Right to Buy: buying your council home: Overview - GOV.UK or Own Your Home | Right to Buy Scheme.
Shared Ownership FAQs
Older Persons Shared Ownership
Also known as (OPSO)
Not sure on the terminology?
Use our jargon buster to understand more
Staircasing - Buying more shares
Shared owners can buy more shares of their home from emh, known as staircasing.
If your lease permits, you can eventually buy up to 100% and own your home outright. Buyers of resale properties, however, may purchase further shares after the first three months of ownership.
How does it work?
If you decide to staircase, please contact us for an application pack straight away.
- We will ask you to obtain a valuation of your property, to be carried out by a RICS certified valuer. You will need to cover the cost of the valuation and send us a copy of the report.
- Once the valuation has been received we will write to you with an offer of what you will need to pay for your further shares.
- Once you agree to the offer you will need to appoint a solicitor to work on your behalf throughout the staircasing legal process. The transaction must be completed within three months of the valuation date.
- Once the legal work is finalised, we will agree a completion date with you and our records will be updated with your new level of ownership.
For more information, please contact us e: firstname.lastname@example.org / t:0300 123 0918.
As a Leaseholder or Shared Owner emh, as your landlord, has the responsibility of insuring the property.
It is the homeowner’s responsibility to ensure that the contents of the property are insured.
You will find the policy summary below. This gives you the details of what the insurance covers and how you can make a claim.
Please note that for a claim to be considered the damage must have been caused by an event the policy covers e.g. fire, water, storm, theft etc. The policy summary has full details of the insured events.
In an emergency you should take any immediate action required to protect your property from further damage, such as boarding up, switching off gas, water or electricity.
If you require emergency assistance Arthur J Gallagher (Gallagher) will be able to assist in guiding you on the best way in securing/ undertaking emergency repairs, including security and weather proofing measures. This service is provided regardless of whether an insured peril has operated or not.
In order to make a claim, please telephone Gallagher during office hours or if it is an emergency (e.g. your property is uninhabitable) your nominated loss adjuster can be contacted outside office hours.
During Office hours:
- Contact Gallagher on 01245 341212
Outside of normal office hours:
- Out of hours – calls automatically divert to Questgate who have permission to act on our behalf in any emergency.
- Confirm the name of the housing association (emh) and that cover is arranged by Gallagher and they will be able to advise and assist you.