Hi and thank you for your reply. Unfortunately our house is 25% owned by the housing assocation anyway. We took on the homebuy scheme just over four years ago. We contacted them in the spring and they said that because we already had a house we wouldn't make the list. They did say that we could apply for new build homebuys but we'd have to sell our house first and hope we didn't get rejected! They weren't helpful. I've contacted the same mortgage broker we used last time and she got confused and didn't realise that we only owned 75% of our property. Meaning that our equity was limited.