b'instead, which could be expensive for them. Some felt there would need to be strict affordability criteria imposed by housing associations to avoid people over-extending themselves, and also raised concerns about the high rent that would have to be charged at 2.75% of the property value on a 90% unsold share of a property in a high value area.Respondents were also concerned that selling 10% shares would require more grant, which was unlikely to be forthcoming, and may also necessitate a rethink of business models because people who could only afford a 10% stake were unlikely ever to staircase to full ownershipcausing an increased rental income stream but reduced income from staircasing.Views on the new proposed repairs model There was a lot of concern and uncertainty expressed about the new proposed model for responsibility for repairs lying with the housing association for ten years in terms of the financial exposure this could entail. There was a diversity of opinion over whether the current shared ownership model works well and is fair in placing sole responsibility for repairs onto the shared owners. Two respondents felt that shared owners should consider themselves homeowners and accept the responsibility that comes with this status. Several felt that the problem lied mainly with a lack of clear communication by some housing associations meaning that buyers were not fully aware of their responsibilities, though some noted that buyers were disinclined to focus on future repairs at the point of purchase. One suggested a compulsory two year warranty for newbuilds, which would help avoid the bad publicity that accompanies unexpected repair costs in the early stages of homeownership. One respondent felt that the current model was inherently unfair and that splitting the cost of repairs in proportion to the share owned was the only fair solution.Some respondents suggested that a better model would be where the housing association takes responsibility for providing repairs and maintenance, under a contract that the buyer pays towards.Views on the proposed 1% staircasing Respondents had little to say about this aspect of the new model in the free text comments in the survey. A couple said that housing associations should be allowed to charge a small administration fee to cover the costs of processing staircasing applications, even for small shares. Overall views on the proposed new model Several respondents pointed out that the new proposed model was very new, and there was still a lot of uncertainty over how it would work. Overall, the views expressed were negative about the proposed changes, and many respondents emphasised the value in having a single standardised shared ownership model that was clear and well understood, and the risks to this of introducing a new model. Some felt that the current model worked very well in the north of England and that 10% shares and 1% staircasing opportunities were unnecessary in lower priced housing markets. Two respondents did say that they thought the proposed model had the potential to improve the reputation of the shared ownership sector. 16'