Shared Ownership Terms and Conditions
19 May 2025
These Terms and Conditions tell you the rules for using our website as well as important information relating to our services. The SO Living website is managed by Plymouth Community Homes Limited, a registered society under the Co-operative and Community Benefit Societies Act 2014, registered under 30637 R. VAT Registered No. 945 7600 05. Our registered office is Plumer House, Tailyour Road, Plymouth, PL6 5DH.
By using the site you are accepting the following terms and conditions and agree to comply with them. If you do not agree to these terms, you must not use our website.
Our Privacy Policy, explains how we collect, use and store your personal data.
If you purchase a shared ownership home, there will be additional legal terms that apply, and these will be provided to you at the appropriate time.
Shared Ownership
The shared ownership scheme allows eligible applicants to purchase a share of a designated shared ownership property and pay rent on the unowned portion.
Shared ownership properties are sold on a leasehold basis, with lease terms offered up to 990 years. Resale of shared ownership properties will be sold with the remaining lease term.
All shared ownership properties are sold in accordance with Homes England’s rules and guidelines. Eligibility, affordability assessments, and terms of purchase will be subject to their criteria. Applicants must meet the specific requirements set out by Homes England and provide all necessary documentation as part of the application process.
Additional eligibility criteria may be set out by a local authority’s planning agreement under section 106 of the Town and Country Planning Act 1990.
Further policies set out by Plymouth Community Homes Ltd will apply.
Repairs and Maintenance
The responsibility of repairs and maintenance of a shared ownership property is subject to the property rules and the lease. Please refer to the Key Information documents for the property for further information.
Incentives
Plymouth Community Homes may from time to time offer incentives. These are subject to availability and may be withdrawn at any time without notice. Incentives are offered at the discretion of Plymouth Community Homes and may be subject to specific terms and conditions including eligibility rules, reservation expiry dates or legal completion dates. Incentives are not transferable and cannot be exchanged.
Disclaimer: Property Prices, Rent and Service Charges
Property prices displayed on our website are based on open market valuations but are subject to change. Open market value, share levels, share values, and Rent figures shown in adverts are accurate at the time of publication. They are subject to change without notice.
The "Rent" refers to the rental payments due on the portion of the property that is not owned by you. The "Service Charge" is the payment you must make for services on the development.
The Rent and Service Charges advertised on our website are subject to change and are not final figures. We have explained some of the factors that impact changes to Rent and Service Charges below.
The Rent and Service Charges will be reviewed annually in April and therefore may change during advertisement or conveyancing.
The Rent advertised for properties (which are not being resold) is calculated upon an advertised share and the open market valuation for the property. The actual Rent may differ from the advertised Rent if the share level you wish to purchase is different from the example share listed.
The Rent advertised for resale properties is based upon the rent set at the time the lease was issued to the current owner, and any subsequent annual reviews.
You are liable to pay all associated taxes related to your property purchase (including stamp duty)
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. YOUR HOME MAY BE AT RISK IF YOU BREACH YOUR LEASE.
Disclaimer: Images and Advertising
We take reasonable care when preparing the content on our website or advertising materials to ensure accuracy. All information on our website or within advertising content is subject to change, and we do not warrant or guarantee its accuracy. The information on our website and within advertising content is for guidance only and is subject to change. It is not intended to form part of any contract or warranty.
Plymouth Community Homes has a policy of continuous improvement and reserves the right to change specification details, designs, floor plans and site plans at any time. CGI may depict a typical future street scene of the development once completed.
While particulars are prepared in good faith, no responsibility is accepted as to their accuracy or for any other error, omission or misstatement made by Plymouth Community Homes staff in their employment or their agents, whether during negotiation, in these particulars or otherwise.
Images may be computer-generated and are for illustrative purposes only, so they may not be representative of the exact plots or the building. This includes that the colours of the building may be different. Individual specifications may vary, including that fittings and features may be different to those pictured. This includes differences in building materials, windows, doors, brick, carpet, paint, driveways, roads, plants, greenery, fencing, doors and guttering. Any furnishings are virtually staged and are not included in the sale of the property. Homes may be detached, semi-detached or mid-terrace. Please speak to a sales officer for further information. Homes may or may not have a garage or shed, Please speak to a sales officer for further information. Floor plans and images are not to scale and are indicative only. The layout of bathrooms and kitchens may change. Location of windows, doors, kitchen units and appliances may differ. Doors may swing in the opposite direction to that shown on selected houses. Dimensions, which are taken from the indicated points of measurement, are for guidance only and are not intended to be used to calculate space for items of furniture, carpets or flooring. The total area figures that are given refer to the gross figures for internal areas and will vary from property to property. Please note, some plots may be handed (which means that the layout may be a mirror image of the plan shown above). Please speak to a sales officer for further information.
Photos are for guidance only and may not show properties accurately. Photos are representative of the style and finish, which may be available on the development. Please speak to a sales officer for further information. Furnishings are not included in any sale or let, but are for illustration only.
Disclaimer: Resales
Resale property particulars and photos have been prepared in good faith on behalf of the seller but do not form part of an offer or contract. The property is sold as seen, and buyers must satisfy themselves by inspection or otherwise as to their accuracy. Where appliances, including central heating, are mentioned or shown, it cannot be assumed that they are in working order, and will not have been tested by Plymouth Community Homes. Please also note that wiring, plumbing and drains have not been checked. Lease details should be checked prior to ensuring their exactness. Fittings and fixtures (including white goods) are not included unless expressly stated to be included.
Third-party links
Where our site contains links to other sites and resources provided by third parties, these links are being provided as a convenience and for informational purposes only; they do not constitute an endorsement or an approval by Plymouth Community Homes of any of the products, services or opinions of the corporation or organisation or individual. Plymouth Community Homes bears no responsibility for the accuracy, legality or content of the external site or for that of subsequent links. Contact the external site for answers to questions regarding its content.
Linking to the SO Living Site
If you want to link directly to pages on our site, permission must be given by Plymouth Community Homes in advance. Please email so-living@plymouthcommunityhomes.co.uk, explaining how and why you wish to use the material. Please include your name, organisation, telephone number and email address.
Our Service Standards
We endeavour to provide a high level of service for our residents. For more details, please see our Service Standards.
Website
The information contained on this website is for general information purposes only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action based on the content on our site. The information is provided by Plymouth Community Homes and while we endeavor to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.
Every effort is made to keep the website up and running smoothly. However, Plymouth Community Homes takes no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond our control.
How you may use the material on our website
All content on this website, including but not limited to text, images, graphics, logos, videos, audio file’s design and software, is the intellectual property of Plymouth Community Homes or its licensors and is protected by copyright laws and treaties around the world. All such rights are reserved.
You may view, download, and print content from the website for personal, non-commercial use only. Any other use, including reproduction, distribution, modification, or display of content, is strictly prohibited without prior written consent from Plymouth Community Homes. Our status (and that of any identified contributors) as the authors of content on our website must always be acknowledged (except where the content is user-generated).
If you print off, copy, download, share or repost any part of our website in breach of these terms, your right to use our website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made (except that you are permitted to print off a copy of these terms of service).
We may make changes to these Terms and Conditions and our website
We amend these terms and our website from time to time. Every time you wish to use our website, please check these terms to ensure you understand the terms that apply at that time.
We may suspend or withdraw our website
Our website is made available free of charge. We do not guarantee that our website, or any content on it, will always be available or uninterrupted. We may suspend or withdraw, or restrict the availability of all or any part of our website for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.
You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms and conditions and other applicable terms of service, and that they comply with them.
We may transfer this agreement to someone else
We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens, and we will ensure that the transfer will not affect your rights under these terms.
No text or data mining, or web scraping
You shall not conduct, facilitate, authorise or permit any text or data mining or web scraping in relation to our website or any services provided via, or in relation to, our site for any purpose, including the development, training, fine-tuning or validation of AI systems or models. This includes using (or permitting, authorising or attempting the use of):
- Any "robot", "bot", "spider", "scraper" or other automated device, program, tool, algorithm, code, process or methodology to access, obtain, copy, monitor or republish any portion of our site or any data, content, information or services accessed via the same.
- Any automated analytical technique aimed at analysing text and data in digital form to generate information or develop, train, fine-tune or validate AI systems or models which includes but is not limited to patterns, trends and correlations.
The provisions in this clause should be treated as an express reservation of our rights in this regard, including for the purposes of Article 4(3) of the Digital Copyright Directive (EU) (2019/790). You shall not use, and we do not consent to the use of, our website, or any data published by, or contained in, or accessible via, our site or any services provided via, or in relation to, our site for the purposes of developing, training, fine-tuning or validating any AI system or model or for any other purposes not explicitly set out in these Terms. This clause will not apply insofar as (but only to the extent that) we are unable to exclude or limit text or data mining or web scraping activity by contract under the laws which are applicable to us.
We are not responsible for viruses
We do not guarantee that our website will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programs and platform to access our website. You should use your own virus protection software.
You must not introduce viruses
You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful, or otherwise harmfully interacting with our site or any part of it. You must not attempt to gain unauthorised access to our website, the server on which our website is stored, or any server, computer or database connected to our website or any other equipment or network connected with our website. You must not interfere with, damage or disrupt any software used in the provision of our website or any equipment or network or software owned or used by any third party on which this website relies in any way. You must not attack our website via a denial-of-service attack or a distributed denial-of-service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities, and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our website will cease immediately.
Our responsibility for loss or damage suffered by you
Whether you are a consumer or a business user:
- We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.
If you are a business user:
- We exclude all implied conditions, warranties, representations or other terms that may apply to our site or any content on it.
- We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with: (i)use of, or inability to use, our website; or (ii) use of or reliance on any content displayed on our website. In particular, we will not be liable for:
- loss of profits, sales, business, or revenue;
- business interruption;
- loss of anticipated savings;
- loss of business opportunity, goodwill or reputation; or
- any indirect or consequential loss or damage.
If you are a consumer user:
- We only provide our website for domestic and private use. You agree not to use our website for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
- If defective digital content that we have supplied damages a device or digital content belonging to you and this is caused by our failure to use reasonable care and skill, we will either repair the damage or pay you compensation. However, we will not be liable for damage that you could have avoided by following our advice to apply an update offered to you free of charge or for damage that was caused by you failing to correctly follow installation instructions or to have in place the minimum system requirements advised by us.
Which country's laws apply to any disputes?
If you are a consumer, please note that these terms, their subject matter and their formation are governed by English law. We both agree that the courts of England and Wales will have exclusive jurisdiction, except that if you are a resident of Northern Ireland, you may also bring proceedings in Northern Ireland, and if you are a resident of Scotland, you may also bring proceedings in Scotland.
If you are a business, these terms of service, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.
