Shared ownership offers stability as you rent while buying a share in a property, with the flexibility to increase your share at any time. While renting, you can only save your disposable income and the money spent on rent is essentially 'lost'. With shared ownership, you pay relatively cheap rent on the share you rent, and the mortgage payments on the share you buy pay off the debt, increasing your equity; it is money into your own pocket. In the end, the decision is yours and it depends on your current financial situation and potential future financial position as well. If you're aiming to slowly shift from renting to owning a home, shared ownership might be the best option as it won't completely drain your savings or finances right away.