英国国家审计署：2026年共有所有权调查报告（英文版）

Shared ownership is a government-backed affordable housing model, introduced through the 1980 Housing Act. It offers a route into home ownership for eligible buyers who cannot afford to purchase a home on the open market. Shared owners purchase an initial share (between 10% and 75%) and pay rent on the remaining share to a shared ownership provider (usually a registered provider or housing association, though it can be a local authority or private provider). Over time, shared owners can buy m