Also, do you guys have shared ownership in the states? Me and Yank (and by Me and Yank I mean just Me because he doesn't take ANY bloody interest in anything that isn't manchild related) are looking at buying a house but need to save up a bit more of a deposit and we are looking at this shared ownership stuff where you just get a loan for like 25% or 50% of the house value and then can buy more percentage later on. So if a house costs 200,000 then you would buy half at 100,000 and only need a 10% deposit which is easier to save. *shrug* Sick of renting so gonna get my saving face onnnn.