The shared ownership scheme is the worse thing I have ever gotten into. You are well and truly trapped if considering this option. Beware of all the fee's that you need to pay. Not only did I have to pay out for legal side of the sale but also had to pay for HA solicitors fee's plus a further third party's solicitors fee's.... .My financial circumstances changed and I am not able to pay the increasing part rent and mortgage.. ..I am very much in arrears with both of these.. ..I have been in constant contact with my mortgage lender asking for a repossession, also the HA did serve a Notice of seeking possession last year. My mortgage company decided to pay my rent arrears....this has made matters worse. I am still battling with both sides to take action against me, as I cannot afford to remain in the property... ..my mortgage lender is refusing to act and are adding a large amount of interest each month to the outstanding mortgage... the HA have also now applied to the small claims court for the large rental arrears.... .There isn't enough equity in my share for me to sell... ...This scheme is nothing but a trap!!! If anyone is considering this option I would advice that you save as much as you are able to, use as a deposit to buy outright. ...My rental and mortgage payments are almost double to what it would cost to have a complete ownership.....