Leaseholders and shared owners

These pages contain everything your need to
know if you are one of our leaseholders or shared owners.

Contact our leasehold team 

Your lease feature

Your lease

Your lease is the legal contract between you and Silva Homes. It usually covers things from service charges and staircasing, to alterations and home insurance. It also outlines your responsibilities and our responsibilities.

Learn more about your lease

Service charge FAQs feature

Service charge FAQs

Service charges are an amount that customers pay to cover the cost of providing communal or shared services to a building and, if applicable, the surrounding estate. If you're unsure about what this means for you, we've put together a list of frequently asked questions about service charges to help.

Read our service charge FAQs


Service charge FAQs feature

Shared ownership actuals information

Important information for shared owners

Read more


Section 20 feature

Section 20 consultations

We are legally obliged to consult you before we carry out certain works or services for which you will have to pay under the terms of your lease. If you've received a letter about section 20 consultations and are unsure what that means, we've put together a list of FAQs that should help.

Read our Section 20 FAQs

Staircasing feature


If you are a shared owner of your home, you can ‘staircase’ at any time. Staircasing allows you to buy additional shares in your property until you reach 100%.

Learn the benefits of staircasing

Selling your home

Selling your shared ownership home

As a homeowner, you can sell your shared ownership home like any other property, but you must follow the procedures set out in your lease.

Learn more about selling your shared ownership home

Insurance claims 

If you are a leaseholder and need to claim on the buildings insurance, please call Protector Insurance on 0161 274 9077, quoting policy number 788964-4.1