It’s important that housing is affordable. It impacts your quality of life and wellbeing. Anyone buying a shared ownership home will have financial checks carried out by Oxford City Council who you’re buying from. At OX Place and in Oxford, we make sure that you won’t be spending more than 45% of your household income on housing costs – that’s the combination of your mortgage and rental payments in a shared ownership home. That’s because there’s that spending more than 45% of your income on housing is unsustainable and likely to cause hardship and distress. No one wants a home they can’t afford to enjoy living in.