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Shared Ownership assessment failed
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We bought our S/O house a couple of years ago, back then it was £165k and we were earning just over £38k and we purchased 60% (the max available).
Despite our affordibility being fine on paper, they were very strict and wanted every little detail about our finances and questioned everything!
I would say though, if you aren't planning on staircasing, why are you looking at S/O? As someone else said, with S/O you are responsible for ALL repairs, irregardless of what % you own. I have taken out insurance/repair policies for many things that when renting, I didnt have to worry about.
We only went with S/O as we could afford the mortgage payments, but couldnt get a big enough deposit together but this is a house we intend to buy 100%.0
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