Shared ownership houses for sale | What is shared ownership?

How does it work?

Eligibility

Staircasing

Considerations

Shared ownership houses

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Vertex Edge

by PA Housing

Wandsworth, Greater London, SW11 3QG

1 & 2 bedroom apartments

£121,250 - £155,000 for a 25% share
£485,000 - £620,000 Full Market Value

Vertex Edge in Wandsworth is a skilfully designed development with a sophisticated specification offering 41 x one & two bedroom apartments on a Shared Ownership basis. Contemporary and comfortable, these new apartments combine a sleek exterior with stylish interior design and the highest standard of building techniques and materials. Benefiting from the area's excellent transport links, offering a quick commute throughout the capital and beyond these apartments are perfect for singles, couples and families.Offer: Currently offering three months rent & service charge paid for! T&Cs apply*. Ask our Sales Executive for more information. *Offer subject to new reservations by 31 July 2026.Income Caps: A maximum household income threshold of £56,200 applies to some plots.Priority: You are no longer required to have a connection to either live or work in the Borough of Wandsworth in order to buy a property at Vertex Edge but priority will still go to those that live or work in the Borough of Wandsworth.Disclaimer: These details are for guidance only and do not form part of any contract. All photographs are for style purposes only. Some images are computer generated and are intended as general indication only. Specifications are subject to change. Details and landscaping may vary. All floor plans are approximate and not to scale. All distances and maps referred to are approximate and for general guidance only.

Shared ownership

Pershore Road

by Rooftop Housing Group

Evesham, Worcestershire, WR11 2AA

2 bedroom houses

From £135,000 for a 50% share
(From £270,000 Full Market Value)

*FIRST PHASE RELEASED FOR OFF PLAN RESERVATION*? Rooftop Housing Association, in partnership with Stonebond is proud to introduce an exciting collection of 27 shared ownership homes coming soon to Evesham. This well designed development will offer a mix of 2 and 3 bed houses, ideal for first time buyers and growing families. Each home will combine modern layouts with quality finishes, creating comfortable energy efficient living in a well connected location. ‍ This site is located in the picturesque, historic market town of Evesham which sits alongside the River Avon and beautiful Abbey Park. Situated to the West in Hampton, this development is 2 miles away from the town centre. Shops are centred around two long roads with a variety of shops, cafes, banks, hairdressers, beauty salons and restaurants plus a regular market every Saturday. There is a leisure centre, cinema, doctors’ surgery and three supermarkets within a 5 minute drive. The area benefits from several primary and secondary schools all within a 30-minute walk or short drive from this development, including Prince Henry’s High School rated by Ofsted as outstanding. Hampton itself is well served by local amenities including Hampton Farm shop providing locally produced goods and produce. This site is located just 2.2 miles from Evesham Railway Station, where regular services run to Oxford, London, Worcester, and Hereford. The area has excellent transport links with the M5, M40 and M42 providing access to London, Birmingham, Bristol, Cheltenham, and Gloucester. The nearest airport is Birmingham International, which is a 40 minute drive from Evesham. It is under 20 miles from Worcester, Cheltenham and Stratford Upon Avon.

Shared ownership

Meadowcroft Farm

by Midland Heart Housing Association

Nuneaton, Warwickshire, CV11 6YW

2 & 3 bedroom houses

£78,750 - £98,000 for a 35% share
(£225,000 - £280,000 Full Market Value)

Affordable Homes - Exclusive to Midland Heart A selection of Brand New 2 & 3 Bedroom Houses available to buy on Shared Ownership. These properties are located on a new development on the desirable north eastern edge of Nuneaton, close to the A5. The location offers easy access to the A5 & M69. Nearby Nuneaton and Hinckley offer local amenities, shops & restaurants. • Next Viewings - July 2026 • 2 Bedroom Houses from £78,750 for a 35% share • 3 Bedroom Semi-detached Houses £98,000 for a 35% share • Option to buy more shares to own 100% of the property in the future Our homes come with an impressive specification as standard including flooring/carpets throughout, modern fitted kitchens with oven & hob, a private garden and parking. The properties are well positioned for Nuneaton Town Centre (3.3 miles) and Hinckley Town Centre (3.5 miles). The location offers easy access the A5 & M69. Nearby Nuneaton and Hinckley offer local amenities, shops & restaurants. Prices 2 Bedroom from £225,000 (100%) 35% share = £78,750 Rent = £335.16 3 Bedroom £280,000 (100%) 35% share = £98,000 Rent = £417.08 Plus the following monthly charges: Management Charge: £22.00 Buildings Insurance: 2 bed £17.30; 3 bed £19.76 Estate Charge: £5.53 Shared Ownership enables you to buy a share of your home and pay rent on the remaining share. The share you can buy ranges between 25% and 75%, depending on what you can afford. This means you'll need a smaller mortgage and deposit to get you started. Once you've brought your new home you can decide to buy more shares in the property. The more shares you buy, the less rent you'll pay. You can keep doing this until you own 100% of your property. The Price advertised is for our target share of 35% and is for illustration purposes only (to give an indication of the cost of purchase, rent, etc); it is not the minimum or maximum that is available for purchase. Other shares are available upon request & will be based on affordability, proceed ability & sustainability. Buyers will be considered on first come first served basis (assuming affordability, proceed ability & sustainability checks are met). Buyers need to demonstrate maximum affordability which will be determined via a Mortgage advisor prior to any agreed sale. Amount advertised is subject to change. An additional monthly rental charge applies that includes rent, buildings insurance, estate and management charge but excludes any mortgage payment. ^Images/photographs shown are for illustrative purposes only & simply represent a typical Midland Heart property.

Shared ownership

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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: