Buying more shares is worth it, as you'll own more of your shared ownership property. If you staircase your way up all the way to 100%, you'll be the sole owner and will only have to pay off your mortgage. Always make sure you can keep up with your mortgage repayments. Your home may be repossessed if you do not keep up repayments on your mortgage. Owning 100% of shared ownership also means you can sell the property whenever you wish, without having to involve the housing association. You will have to pay for a property valuation each time you staircase.