... as far as i can see from reading this forum, many people still do not differentiate between affordable houses and houses bought under the shared ownership, which is crucial here .... under the shared ownership you are required to pay the mortgane and rent (rent increases every year by 4.5 %, this is killing people, in my case it is 400 euro mortgage and 650 euro rent per month, together 1050 euro per month for a small 2 bed house, i own 40% and council owns 60% of that house, the house was bought from th eopen market - this was not affordabe or social house).... and the worst is that there is no vision to move to 100 % ownership as there is no bank willing to finance this particular house (i.e. remortgage own part from the council and pay out the councils part) due to decrease in the price of the house (i.e. the initial price of the house was 200k now only 100k, while council dose not want to take the lose and still looking for the initial price of 200k), ... one of the solutions would be to move to full mortgage with council to avoid paying rent - but council does not allow doing that, instead constantly increases the rent by 4.5 % each year...., if they do not chenge something with this, the "throwing" will be growing.....definately