How to get on the housing ladder:

For example, the homebuyer raises the cash to buy 50% of the property and then pays rent on the remaining 50%. The benefits of shared ownership schemes are:

• For many this is the only way to achieve home-ownership
• You can buy a share as low as 25% or as high as 75% at the outset

…

Help for the elderly in mortgage trap:

Under the deal customers were able to borrow around a quarter of the value of their property.

But when they sell they must also pay back 75% of the increase in value, leaving many unable to buy a new home.

…

Well, if you only buy 25% of your house, you will only get 25% of the value when you sell it. Sounds quite fair to me.

So, in conclusion, the BBC thinks banks are evil for offering shared ownership schemes, and at the same time thinks they are a good idea. So that's clear then.