i'm a freelancer — this is how i bought my london home for £395,000

Moira Mulvey got on the property ladder through shared ownership in Hounslow (Picture: Richard Eaton)

As a freelancer,Moira Mulvey found her mortgage options limited – but shared ownership helped her buy her own home.

One of the best things about shared ownership is its flexibility. 

Deposits are low,the initial share ranges from 10% to 75% of a home’s value,depending on affordability,and the door is always open to buying more shares later on – via a process known as staircasing. 

Moira enjoys a terrace overlooking Hounslow (Picture: Richard Eaton)

For self-employed people such as Moira Mulvey,the scheme has made all the difference between owning a property or not as,with its help,she was finally able to buy in 2021 and subsequently increase her share just three years later. 

Moira,an osteopath who is in her 50s,had rented privately for years but became tired of pleasing landlords and not being able to put her own stamp on a home. 

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‘The option for staircasing has allowed me to get out of renting and gradually own my own home,so I think it’s brilliant.’ sales.sng.org.uk.

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