For many people, getting onto the property ladder can feel out of reach. But for Maciek and his family, Shared Ownership provided a practical and achievable route to owning their dream home, and five years later, they have proudly become full homeowners.

Living in Caton, Lancaster, with his wife Anna and their two daughters, Maciek’s journey demonstrates how Shared Ownership can support families not only in buying their first share of a home, but also in achieving full ownership over time.

Taking the First Step

In 2020, Maciek and Anna were looking for a family home that offered stability and a place to put down roots. Like many aspiring homeowners, buying a property outright wasn’t the right option for them at the time.

Shared Ownership through Snugg Homes, part of Jigsaw Homes Group, provided the solution they needed.

The family purchased an initial 50% share in their home, allowing them to secure a property they loved while making homeownership more affordable and accessible.

“Shared Ownership gave us the opportunity to buy a home that worked for our family when buying outright wasn’t possible,” says Maciek.

From the beginning, the scheme offered flexibility and security, enabling the family to establish themselves in a welcoming community while planning for the future.

Building a Future in Caton

Over the following five years, Maciek and Anna enjoyed everything that comes with having a place to call home.

Their daughters have grown up in the property, and the family has become firmly established in the Caton community. What started as an affordable route onto the housing ladder gradually became a long-term home where lasting memories were made.

Throughout this time, Shared Ownership continued to provide an important pathway towards their ultimate goal: owning their home outright.

Reaching 100% Ownership

In November 2025, after five years of Shared Ownership, Maciek successfully staircased to 100% ownership.

Staircasing allows Shared Owners to purchase additional shares in their home as their finances and circumstances evolve. For Maciek and his family, it was the final step in a journey that began with their initial 50% share purchase.

Becoming full homeowners was a significant milestone and one that reflected years of planning, commitment and progress.

“Being able to staircase to 100% ownership was always our goal,” explains Maciek. “Shared Ownership gave us a way to get started, and over time we were able to work towards owning our home completely.”

More than a Purchase

Maciek’s story highlights an important aspect of Shared Ownership that is sometimes overlooked.

While many people are familiar with the initial purchase process, Shared Ownership is designed to be a long-term pathway that can help people move towards full ownership at a pace that suits their circumstances.

His experience demonstrates how the scheme can support buyers at different stages of their homeownership journey, from purchasing an initial share to ultimately owning 100% of their home.

Considering Shared Ownership?

For those looking to get onto the property ladder, Maciek’s story shows how Shared Ownership can provide a practical stepping stone towards achieving homeownership goals.

Starting with a 50% share enabled his family to buy a home they loved, establish themselves in their community and, five years later, realise their ambition of becoming full homeowners.

Today, Maciek, Anna and their two daughters continue to enjoy life in Caton, now as outright homeowners, a milestone that began with taking that first step through Shared Ownership.

Watch Maciek’s Story

To hear directly from Maciek about his experience of purchasing through Shared Ownership and staircasing to 100% ownership, watch the accompanying video testimonial and discover how Shared Ownership helped his family achieve their homeownership goals.