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HOLD: Home Ownership for People with Long-Term Disabilities

HOLD – Home Ownership for people with Long-Term disabilities – is a Government-backed scheme that enables you to buy a share of the equity of a home of your choice (within certain limits) in an area where you want to live and where Advance operates.

Advance is one of the main providers of HOLD. Typically, we are able to support around 45 people into shared ownership each year.

Please note, we currently have a large number of people on our waiting list for HOLD and we are not able to accept any more enquiries or applications at this time. Please read more about this below and check this page regularly for updates.

Is HOLD for me?

There is lots of information on these pages that will help you decide if HOLD is suitable for you.

Please read through and check carefully that you meet the criteria. Advance can only work in certain areas. Please check that we cover the area where you want to live.

If you are in urgent housing need, please contact your Local Authority.

The HOLD application and purchase process will take time to complete and therefore is not suitable for people looking for urgent housing.

Steps to apply for HOLD

Read the information on this website to check you meet the criteria for HOLD. This includes understanding what money you will need to complete your purchase as well as checking whether we work in your area.
Submit the enquiry form. Our team will check you meet the criteria for HOLD and then contact you so you can make a full application.
If you have made an enquiry but we are unable to take any more applications, you will be placed on our waiting list and we will contact you first once applications re-open.

Why is Advance’s website sometimes closed for applications or enquiries?

We would love to be able to provide more homes for shared ownership, but currently we can help around 45 people each year. We operate on a first come-first served basis and if you enquire after we reach the limit of people we can help, we will need to put you on a waiting list until applications re-open.

If we have lots of people on the waiting list, we may need to pause new enquiries for a time.

I have made an enquiry but haven’t heard anything

We try to respond to everyone who submits an enquiry. This could take up to 14 working days, so please be patient if you haven’t heard back from us before then.

I thought I had already applied through a different organisation

Advance only accepts direct applications for HOLD. If you have applied for a mortgage or support through another provider, you will still need to complete Advance’s application process.

What can delay our application:

Lack of funding from Advance and/ or from the applicant

Incomplete application form. We will need one for each adult aged 18 or older that is going to live in the property.

Mortgage In principle Agreement from a mortgage broker if you need a mortgage (please see Q&A about funding)

Application for Court of Protection and Power of Attorney where applicable