Below you will find our Adverse Credit Policy, which explains how Coastline Housing considers shared ownership applications where an applicant has a history of adverse credit. The policy is intended to ensure that applications are assessed fairly, consistently and transparently.
It outlines the types of adverse credit that may affect an application, the checks carried out as part of the financial assessment process, and how affordability and sustainability are considered. This includes information on debts, deposits and circumstances where applications may be accepted or declined.
We recommend reading the full policy before applying, as it contains important details about eligibility, financial assessments and how decisions are made.