The Home Ownership for People with Long-term Disabilities (HOLD) scheme is a specialist form of Shared Ownership. It enables individuals with long term disabilities to purchase a home that meets their accessibility needs when other Shared Ownership homes are not suitable.

My Department, in collaboration with Homes England, have published guidance on HOLD, including eligibility criteria and guidance on how to find landlords offering HOLD. This can be found on gov.uk here.

Universal Credit customers can find information on the support they may be able to receive for mortgage interest payments on gov.uk here.

Applicants should discuss their individual financial circumstances with the relevant landlord and seek independent financial advice. Decisions on mortgage affordability and lending are matters for individual lenders.