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A scheme which enables a borrower to buy a proportion of a property, with the remainder being owned by a housing association is called Shared ownership. The borrower pays rent on the portion owned by the housing association, and is usually entitled to buy subsequent shares in the property until they fully own the property, a process known as `stair-casing'.
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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.