The Help to Buy scheme expects only first-time buyers to apply. However, both first-time buyers and existing homeowners can benefit from the Help to Buy Equity Loan. On the other hand, a current Help to Buy homeowner is not eligible for Rent to Buy or Shared Ownership schemes. This is unless they have sold their home before applying. Only applicants who currently own a house and are hoping to purchase a less expensive house alternative, might be considered. Some homeowners are accepted in special cases. Help to Buy Agents or Registered Providers determine who may be accepted. Firstly, you need to speak to a local Housing agent in your housing association or local council before you apply for shared ownership.