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Shared-equity schemes swap a smaller deposit for a slice of your future upside — a government or investor chips in part of the purchase price and shares in the home's value later. They can unlock homeownership on a modest income, but you are renting your own growth in a sense. This guide explains the structures, the buy-back mechanics and the hidden costs, so you can judge whether trading future equity for today's keys is a deal you actually want.
trade-off analysis
Many schemes charge a small fee or rent on the equity share — check the specific program, because it changes the affordability math.
The partner takes their share of the sale price — including any appreciation — so you do not keep all the capital gain.
Typically first-time buyers on income caps who cannot save a 20% deposit but can service a loan. Programs differ by state or country.
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