Shared ownership houses for sale | What is shared ownership?

How does it work?

Eligibility

Staircasing

Considerations

Shared ownership houses

Shared ownership

Holdingham Grange

by Sage Homes

Sleaford, Lincolnshire, NG34 8JG

2 & 3 bedroom houses

£90,000 - £117,500 for a 50% share
(£180,000 - £235,000 Full Market Value)

2 & 3 bedroom homes available now on the Shared Ownership scheme. Register your interest today! A new development on the edge of a friendly market town, with excellent transport links across Lincolnshire. Between Boston and Newark-on-Trent, on the outskirts of Sleaford, stands Holdingham Grange. You can easily reach Leicestershire, Cambridgeshire, Nottinghamshire, and Norfolk from this rural area of southern Lincolnshire. Sleaford is pleased to be the location of the National Centre for Craft & Design in addition to all the other neighbourhood stores and services. This creative centre attracts tourists, which has had a very favourable ripple impact on the town's economy. The Lincolnshire Fens present a distinctive environment and natural habitat to discover right on your doorstep when you're out and about. The stunning Norfolk Coast provides a change of scenery from Skegness, Lincolnshire's well-known coastal town, and makes a great day out! Local Area Information Local area information The town's well-respected secondary schools – Kesteven and Sleaford High School, St George's Academy and Carre's Grammar School - have all been rated 'Good' by Ofsted. There are several primary schools; Sleaford Church Lane, St Botolph's CE and William Alvey CE School, as well as nurseries and day-care facilities. You name it, Sleaford has it. The town is big enough to offer a wide variety of leisure activities - Athletics, golf, football, rugby, and bowling. The River Slea is another local feature, as is the town's great recreation centre. A fully operational mill, Cogglesford Watermill will give your stroll along the riverfront a historical flavour. The main road connections in the area, such as the A15 and A17, are quickly and easily accessible from Holdingham Grange. Sleaford also has a train station, just 6 minutes drive from the development. From there, East Coast mainline services will take you to London King's Cross in about 1 hour 15 minutes. Trips to Grantham and Lincoln are a 30-minute train ride away. Peterborough and Doncaster are also on the schedule. The train ride to Skegness takes around an hour, perfect for a day at the beach. Key Features - Close to local amendities - NHBC Warranty - Allocated parking - Semi detached homes - Ample storage space - Flooring throughout

Shared ownership

So Resi Finchampstead

by SO Resi

Finchampstead, Berkshire, RG40 4BY

3 bedroom houses

£131,875 - £133,125 for a 25% share
£184,625 - £191,625 for a 35% share
£527,500 - £547,500 Full Market Value

Discover our Shared Ownership homes for sale in Finchampstead Nestled in the leafy town of Wokingham, SO Resi Finchampstead offers exceptional two and three bedroom houses available through Shared Ownership. The local area seamlessly blends countryside charm with modern living with over 140 acres of woods and grassland for scenic walks right on your doorstop. There is even an ancient Roman road nearby, nicknamed "The Devil's Highway". The location and size of these properties makes them ideal for professional couples and young families. Commuters can easily travel to Central London and neighbouring towns via the Wokingham and Crowthorne stations. There are also several local schools nearby. Our properties in Finchampstead We've designed these two and three bedroom houses with contemporary style, daily comfort and sustainability in mind. Each home features an open plan fitted kitchen with integrated appliances and a spacious private garden, where you can enjoy family time or a quiet morning coffee. Each bedroom is carpeted and has a fitted wardrobe for easy storage. Select homes also have a private driveway or an allocated parking space, with electric vehicle charging options available. Ready to continue your homeownership journey? Explore our FAQ page or contact us with your queries today. Benefit from Shared Ownership prices Our homes in Finchampstead are available through our Shared Ownership scheme, which means you could buy one with a deposit as low as 5% of the market value. Find out more about affordable housing through Shared Ownership with SO Resi today. Please note priority will be given to customers who live and work in the borough of Wokingham. Key features Private gardens Open plan layouts Fully integrated kitchen appliances Some homes with private driveways Private allocated parking with EV charging spaces Location Why choose Shared Ownership in Finchampstead? Finchampstead transport links Wokingham boasts excellent transport connections, making it a commuter-friendly hub. The town lies on the Southwestern Railway line, which offers regular services to London Waterloo, Reading and Gatwick Airport. By road, it's conveniently positioned near the A329(M) and M4, providing swift access to the M3, Heathrow Airport and beyond. Local community and culture Wokingham is an ever growing cultural hub, hosting local festivals and art initiatives, including the Mindset Unlimited Wellbeing Festival in Elms Field and the Wokingham Festival in Cantley Park. Dinton Pastures Country Park also hosts community events, including live concerts and weekend food festivals. Eat out or in Wokingham has dining options all over town, from cosy pubs to fusion restaurants. You can enjoy relaxed all day dining at the Sedero Lounge, or savour authentic Thai cuisine at Pad Thai - the Red Lion or grab a quick bite at It's Pizza Wokingham. If you prefer a light bite with a coffee, Sultan's Cafe is also right in the heart of town. Lush green spaces Between Dinton Pastures Country Park and California Country Park, Wokingham locals are spoiled for choice. Both areas are perfect for dog walking, wildlife spotting and family outings. The wider borough also boasts over 100 Local Wildlife Sites, including Winnersh Meadows and Woosehill Meadows, celebrated for their biodiversity and natural beauty. Excellent educational facilities Wokingham offers a diverse range of schools to accommodate children of all ages, from Walter Infant School and Nursery to The Forest Secondary School. Odyssey House School proudly provides a supportive education environment for the neurodiverse pupils. Meanwhile, Reddam House Berkshire offers private education from nursery through to sixth form.

Shared ownership

Abbot Walk

by Persimmon Homes

Chatteris, Cambridgeshire, PE16 6UA

2 & 3 bedroom houses

£120,000 - £157,500 for a 50% share
£240,000 - £315,000 Full Market Value

Welcome to Abbot Walk – modern new homes in charming Cambridgeshire Abbot Walk is an exciting development of two, three, four and five-bedroom homes in the lovely town of Chatteris. These energy-efficient new builds in Cambridgeshire are designed for modern living, offering practical layouts and stylish finishes. Perfect for first-time buyers, families and downsizers, Abbot Walk combines a semi-rural setting with excellent local amenities. Stylish new houses for sale Chatteris Set on the edge of town, Abbot Walk offers a peaceful location with easy access to everything you need. The development is thoughtfully planned, with green spaces and a welcoming community feel. Chatteris itself is full of character, with independent shops, cafes and a weekly market selling local produce. New build homes with excellent transport links to Cambridge and Peterborough These new builds Cambridgeshire has to offer are ideally placed for commuters. The A141 and A142 provide easy road links to Huntingdon, Ely and Cambridge, while March train station is just 8 miles away, offering direct services to Peterborough and Cambridge. Everything you need on your doorstep Chatteris has a great range of amenities, including supermarkets (Aldi is just 0.3 miles away), schools, healthcare facilities and leisure options. There is also a library, community hub and cinema as well as weekly markets, making it easy to feel at home from day one. Explore the outdoors in Chatteris Enjoy the scenic beauty of the Fens with countryside walks and cycle routes nearby. For a change of pace, the historic cities of Cambridge and Peterborough are less than an hour away, offering shopping, dining and cultural attractions. Ready to make your move? To explore our new houses for sale in Chatteris and start your new build journey, speak to one of our sales advisors today.This development offers the following schemes:Forces Help to Buy Scheme: Support for British Armed ForcesBank of Mum and DadPart Exchange your homeHome ChangeEarly Bird SchemeDeposit Boost: 5% Deposit Contribution SchemeArmed Forces, Key Workers & NHS Discount SchemeOwn NewNew Build BoostSchemes are available on selected plots only, subject to status, terms and conditions apply. Contact the development for latest information.The unique landscape of the Fens means there are endless places to explore nearby, from relaxing walks at Little Acre Fen Pocket Park, to adrenaline-fuelled activities at North London Skydiving Centre. Sports enthusiasts have a wide array of facilities to choose from, including Lakeside Lodge Golf Centre, Witcham Equestrian Centre, a Total Wipeout style course at Fenland Aqua Park, and of course the activities on offer at the local leisure centre and recreation ground.Despite the peaceful surroundings, Chatteris is well-positioned for reaching larger centres. The town sits on the A141, which leads north to March and south to Huntington. Peterborough can be reached by car in around 40 minutes, while the A142 provides access to Ely in 21 minutes and historic Cambridge in 50 minutes. The nearest train station is in March, which operates direct regular services to Cambridge, Peterborough and Ely, with connecting routes to London.Monday 10:00 - 17:00, Tuesday Closed, Wednesday Closed, Thursday 10:00 - 17:00, Friday 10:00 - 17:00, Saturday 10:00 - 17:00, Sunday 10:00 - 17:00

Shared ownership

How does Shared ownership work?

Shared ownership allows you to buy a share of a new house and pay rent on the remaining part. It is a government-backed incentive scheme, primarily aimed at helping first time buyers onto the property ladder. You can also use it to buy a bigger home than you can afford on the open market.

The percentage you can purchase may be different depending on where you buy the home:

In England, you can buy shares of between 10% and 75% of the full market value
In Scotland, you can buy a 25%, 50% or 75% share
In Wales, you can buy shares of between 25 and 75% of what the home is worth

Shared ownership is also known as ‘part-buy, part-rent’.

You will purchase your shared ownership property via a housing association or council. The home will be a new build or a re-sale of an existing shared ownership property, of which you’ll need to purchase the same percentage of shares as the existing owner, or more.

You will need a deposit and a mortgage on your share of the property that you are buying. The remaining share is owned by the housing association or council, and you will pay rent comprising up to 3% of this amount.

Although the housing association may have shares of up to 90% in your home, you will become the owner of the lease. As the leaseholder, you will be responsible for repairs inside the property and the housing association will take care of the outside.

To cover any costs that might be necessary for outside work, you will need to pay a service charge, usually paid monthly. It is a good idea to find out how much the service charge is and factor that into all monthly outgoings before you agree to buy.

Shared ownership eligibility

In England, this scheme is available to those in a household with a combined income of less than £80,000 a year (or £90,000 in London), and you are unable to afford a deposit and mortgage payments on a suitable property for you and your family. In Wales, you must have a combined income of less than £60,000.

There are other criteria you must meet, such as:

being a first time buyer, or
if you used to own a home but can no longer afford to buy outright, or
you want to move from one shared ownership property to another, or
you're setting up a new household, for example after a relationship breakdown, or
you currently own a home, and wish to move but cannot afford to buy outright.

You will also need to have no outstanding credit issues, so make sure you get your finances in order before you apply.

Criteria varies by country, so be sure to check before applying.

A development of Shared Ownership homes in England

What is Staircasing in Shared ownership?

You can buy additional shares of your home, usually in increments of 10%, until you own the majority or all of your home. Some older leases set the minimum amount at 25%, and newer ones may allow you to buy as little as 5% at a time. There are some instances where you may be able to buy 1% shares.

This process is called staircasing and allows you to own more of your home as you earn more money or can afford a bigger mortgage. Each time you wish to purchase more shares, these will be based on the value of the home at the time of buying the shares, and not the value of your home when you first bought it.

You will need to pay for a professional valuation of your property to determine the value of the shares before you can buy them. Buying more shares in your home will also mean paying less rent.

Things to consider before buying a Shared ownership home

There are other factors which may impact your decision on whether shared ownership is right for you:

You will still need a deposit for the mortgage portion of your home, usually between 5% and 10% of the value of the mortgage.
All usual moving fees apply including surveys, stamp duty and legal costs.
If you’re aged 55 or over, you may be eligible for Older People’s Shared ownership (OPSO) but bear in mind, you will only be able to own up to 75% of your home.
If you are a key worker, then a percentage of properties through housing associations will be allocated to those who work for the NHS, police, local authorities, Ministry of Defence and many more. Ask the housing association for more information.

Useful links

Find out more about shared ownership in England

Find out more about shared ownership in Scotland

Find out more about shared ownership in Wales

Shared ownership providers

The following housing associations and developers have shared ownership properties available throughout the UK which you can enquire via this website: