Shared ownership might not be the right solution for everyone, to get onto the property ladder. Your suitability for a shared ownership scheme will depend on your  specific circumstances and financial situation.  Benefits include a smaller mortgage and deposit being required, but it needs to be  taken into account that as well as rent being due on the share percentage that you  don’t own, annual ground rent may also be due and you might be restricted with  any changes you want to make to the property.