HOLD Shared Ownership for People with Long-Term Disabilities


We believe everyone has the right to a safe and happy home and that a long term disability should not be a barrier to home ownership.

As a not-for-profit Housing Association we are proud to be the foremost provider of home ownership for people with long-term disabilities (HOLD). Buying a home through HOLD might be the right route for you to experience the pleasure and security of owning your own home. With HOLD you make the decision about where you live, the type of house you live in and if you live alone or with others. You get to decide who supports you (Advance provide support in some parts of the country) and you have the option to sell and move as your needs change throughout your life.

Advance Housing Shared Ownership

We have been making home ownership for disabled people possible for over twenty years and have helped around 1,000 people with a disability become Shared Owners. In 2018 we won two awards at the National Housing Awards. The judges highlighted HOLD as a 'phenomenal programme that empowers people with disabilities into home ownership'. We were proud to see HOLD highlighted as a great housing solution for people with learning disabilities in a recent research paper issued by Learning Disability England and Housing LIN. 

HOLD Shared Ownership Eligibility Criteria

 In order to be eligible you or the person you are applying for needs to:

  • Have a long-term disability as classified under the Equality Act
  • Be 18 yrs old or older (or within 6 months of turning 18) there is no upper age limit
  • Have funds available to buy at least a 25% share of the property price. Please read: How is Shared Ownership is funded
  • If you or someone in your household are in paid employment, have a total household income of less than £80,000 per year
  • Want to live in an area where we provide HOLD

If you meet these criteria please do complete our online enquiry form and we can start the process.


If you have any further questions, these might be covered in our FAQ section.

If you would like to talk it through in more detail before applying or want to check it's the right option for you please do get in touch with us by email us.

Useful Shared Ownership Downloads (PDF)


Gayle's story

Gayle's story

Gayle lives in her own home, close to her parents.

Chris's story

Chris's story

"I have my independence and can do what I want when I want"

Cati's story

Cati's story

Cati’s new neighbours were wonderful from day one.