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Buying your own home

Home ownership

You can buy your own home from the age of 18, but you will need to have or borrow the money to do so. This makes it the most costly housing option. You will have to pay a deposit before you move in and will have to make monthly mortgage payments. You may be able to get a mortgage from a bank or building society to help with these costs.

Buying a home would give you more choice, control and long term security. You would be able to adapt your home to meet your needs.

Having a home of your own could be a challenge as you will be responsible for:

  • all costs related to the house
  • the maintenance of the home
  • arranging and paying bills

For general information and advice, visit the Money Advice Service or Citizens Advice.

If you have a disability find out about getting a mortgage if you have a disability.

Shared ownership


You may have money you could use to get a shared ownership home. This is where you buy a share of a property and rent the rest of the property from a Housing Association. It can give you long term security. You can choose to share your home with another person. This is a good alternative to home ownership, but there are only a few shared ownership properties.

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