Shared Ownership Halifax Conveyancing Requirements

Halifax conveyancing instructions are set out in Part 1 of the December 1st 2014 version of the CML Handbook.Housing associations, other social landlords and developers sometimes provide schemes under which the borrower will not have 100% ownership of the property and a third party will also own a share or will be a taking a charge over the title. In these cases you must check with Halifax to see if they will lend and what their requirements are unless we have already provided these

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Last updated on 26/02/2025 Part 2 of the UK Finance Lenders’ Handbook for Halifax deals with who you need to contact If different from section 1.11, i.e lending on affordable housing, shared equity and shared ownership and where relevant their requirements:

For contact, see the mortgage offer for address and fax number.

If the property is being purchased under an Affordable Housing scheme, our requirements are covered in the Affordable Housing Guidance Notes for Conveyancers. The Notes are in the process of being updated, however, in the interim please note the following in relation to Section 4 - Shared Equity Schemes.

From 16th January 2023 we will only lend on Affordable Housing Shared Equity Schemes this means Government funded, social housing and co-funded social housing schemes. We will not lend on private company schemes and you must tell us if this the scheme is run by a private company (e.g. builders, developers or employers).

If you receive a mortgage offer for a Shared Equity Scheme where the scheme is run by a private company, you must tell us immediately. We will then confirm to you whether the matter can proceed. You do not, however, need to contact us if you hold the mortgage offer issued was issued before 16th January 2023


In the meantime, our updated requirements can be found by copying and pasting the following link http://www.cml.org.uk/cml/filegrab/?ref=8964 into your browser.

Where the security is leasehold, you must note only situations where Halifax will accept a restriction on the mortgage or assignment (whether by a tenant or a mortgagee) of the lease is where the person whose consent needs to be obtained cannot unreasonably withhold giving consent. The necessary consent for the particular transaction must be obtained before completion. If the lease requires consent to an assignment or mortgage to be obtained, you must have this in place on or before completion (this is particularly important if the lease is a shared ownership lease). It is important not complete without them.

The information contained within this webpage is for general information purposes only for lawyers in England and Wales, it does not constitute advice and you should always check the UK Finance Lenders’ Handbook for Halifax shared ownership requirements as well as the mortgage offer. Whilst we endeavour to keep the information up to date and correct but does not make any representation or warranties of any kind about its completeness, accuracy, reliability or suitability. Any reliance you place on the information is strictly at your own risk. Lexsure will not be liable for any direct or indirect loss or damage arising out of or in connection with the use of this information. The same caveat applies to members of the public looking at this page. If you wish to find a shared ownership conveyancing specialist on the Halifax panel or a shared ownership mortgage broker click here.