The Norwegian Parliament Has Adopted a New Framework for Shared Ownership – A Breakthrough for Scalable and Responsible Housing Innovation

The Norwegian Parliament has adopted a new law establishing a clear and predictable regulatory framework for shared ownership in the housing market. The decision allows up to 50 percent of new homes to be sold through shared ownership models and represents a meaningful shift in Norwegian housing policy.

For Living Impact, this marks a structural breakthrough. A segment that has previously been constrained by regulatory uncertainty now operates within clearly defined rules, enabling long-term capital deployment, responsible innovation, and scalable execution.

From Pilot to Infrastructure

Shared ownership has long demonstrated its potential as a solution to a structural imbalance in the housing market: the gap between purchasing power and equity requirements. With this parliamentary decision, shared ownership moves from a niche concept to a regulated, institutionally relevant housing model.

The new framework provides clarity for all stakeholders:

• Buyers gain clearly defined rights and a secure path into homeownership
• Developers gain flexibility to unlock and deliver more housing projects
• Capital providers gain a stable legal structure suitable for long-term investment

This regulatory clarity is essential for scaling the model responsibly.

Why This Matters Strategically for Living Impact

Living Impact is built to operate at the intersection of capital, societal need, and long-term value creation. The new legislation materially strengthens this position.

The framework enables Living Impact to:

• Structure housing projects with lower entry thresholds for end users without compromising quality
• Reduce regulatory risk across shared ownership portfolios
• Attract long-term capital seeking predictability, governance, and impact alignment
• Develop housing assets that combine stable cash flows with measurable social outcomes

This creates a strong foundation for sustained growth.

A Model That Serves Both Market and Society

Housing markets across Europe face similar challenges: rising prices, tighter credit conditions, and a growing demand for flexible ownership models. The Norwegian Parliament’s decision demonstrates that regulation and innovation can work together.

For investors, this unlocks access to:

• A growing segment of creditworthy but underserved homebuyers
• Housing projects with strong demand fundamentals and societal relevance
• Structures well suited for collaboration with public and private partners

Shared ownership is not only socially impactful. It is economically relevant.

A Robust Platform for Long-Term Capital

By establishing clear rules around ownership, rights, and mechanisms, the new framework shifts shared ownership from experimentation to infrastructure. This reduces risk and increases investability.

For Living Impact, this means:

• Improved project financing conditions
• Greater transactional certainty
• Clearer value drivers across the portfolio
• A stronger platform for long-term scaling

This is not a short-term policy adjustment. It is a structural change.

Looking Ahead

The parliamentary decision confirms a direction Living Impact has been positioning for over time: a housing sector that requires new ownership models, and capital that seeks both returns and relevance.

With a clear regulatory framework now in place, the conditions are set to build housing solutions that are profitable, responsible, and scalable.

This is the landscape in which Living Impact will continue to grow.

References

• TV 2: New law makes it easier to buy a home
  
• The Norwegian Parliament: Legislative decision 2025–2026 – amendments to housing regulations