b"Many were critical of the changes, but some interviewees did suggest that there was dissatisfaction amongst some shared owners and it was this dissatisfaction to which Government were trying to respond.As our number of shared owners have grown, its inevitable that you are going to come across a greater number of people for whom it just didnt work out for whatever reason and their criticism now needs to be listened to. (Interviewee 3)3.3.1 10% shares None of the participants in this research were very positive about, or supportive of, the introduction of 10% minimum shares. However, interviewees did think that there would be interest in and demand for 10% shares:I think there will be a lot of interest in the product.You've got a huge chunk of people out there who are really limited in options. And quite often the only option is private sector renting and any option to get into home ownership will be pounced upon. There will be demand for it, whether or not they get through qualification checks and so on, there will be demand. (Interviewee 3)There was a suggestion that 10% shares may be useful in the London shared ownership market as a way to expand access to a very expensive housing market:We support anything that improves affordability and enables people to get there.The key challenge that people have in London is that before you get to the point of putting down a deposit for shared ownership, you probably had been living in the private rental sector which is extremely expensive, and had no opportunity to save, so anything that enables us to do that in principle is good. (Interviewee 13)Interviewees did highlight that affordability checks would need to be very robust to ensure that buyers could sustain ownership at 10% with rent charged on 90%:From a customers perspective, it is an exciting opportunity. It allows you onto the shared ownership ladder. But it needs thorough and robust affordability checks to ensure people could afford the rent on the 90% that they didnt own. (Interviewee 3)The concern that 10% shares would create a form of marginal home ownership, with a high rent burden, that was not sustainable long term was a concern expressed by most interviewees:7"