Yes, you can purchase more shares of your home from the department by either paying cash for the additional shares or renegotiating your loan with your department if your circumstances allow. The department won't charge fees to renegotiate your contract, but you need to pay the cost of registering the new mortgage with the Title Office. \r\r You must buy additional shares worth at least 5% of the property at a time. The price will be determined by your home's market value, which an independent valuer will determine. The department will bear the cost of valuation. Property generally appreciates with time, so you might be paying more to buy an additional share of the house in future.