Shared ownership houses for sale | What is shared ownership?

How does it work?

Eligibility

Staircasing

Considerations

Shared ownership houses

Shared ownership

Aqua Gardens

by Riverside Housing

Royal Docks, Greater London, E16 1AZ

1, 2 & 3 bedroom apartments

From £101,250 for a 25% share
(£405,000 - £642,000 Full Market Value)

Our collection of luxury 1,2 and 3 bed apartments in Aqua Gardens are perfectly situated in East London’s impressive Royal Docks regeneration area, a growing hub of culture, business, and opportunity along the water’s edge. BOOK YOUR VIEWING TODAY!!! Your luxury apartment is only a stone’s throw from the dockside, with exquisite gardens providing a welcome haven after a hard day’s work. All our apartments have a contemporary look and feel with open plan living/dining, fully fitted kitchen with integrated appliances, lots of storage space with private outdoor space. All residents have access to a range of amenities including a Spin Studio, Cinema Room, Gym, Swimming Pool and many more. You can reach Aqua Gardens by Custom House DLR station only a 4 min walk away offering fast connection in to the city via the Elizabeth Line or a getaway to City Airport via the DLR. You are also a stone throw away from the river front the Royal Eden Docks where you can enjoy the sunshine whilst having lunch in the many restaurants and cafes it has to offer. Come along and see for yourself, book your viewing slot today. Opening Hours: • Sun / Mon - Closed • Tues - 9am-5pm • Wednesday - Closed • Thurs / Fri / 9am - 5pm • Sat - 9am - 3pm Marketing Suite Address : Royal Eden Docks Marketing Suite, 14 Western Gate way, London, E16 1DA We are located a 2 minute walk from Custom House station, please go down the steps opposite the Excel, we are opposite Busy Bees Nursery

Shared ownership

Chestnut Copse

by VIVID

Sway, Hampshire, SO41 6FE

From £103,750 for a 25% share
(From £415,000 Full Market Value)

Newbuild Shared Ownership Shares available from 25% Staircasing is restricted to 80% Leasehold with 990 year lease Council Band: TBC (Find out more) Predicted energy assessment ratings: TBC Newbuild Warranty Provided Local Applicants may have priority We may be required to discuss your application with the Local Authority Current expected handover date from developers: February 2026 Pets welcome Location The friendly Sway community have created a bustling village centre where you will find the award winning butchers, a post office, and convenience stores for you to pick up your weekly groceries. Whatever your interests, Sway has plenty to offer. The village hall and church host a wide variety of clubs and activities where you are sure to find something to keep yourselves occupied. If you like to be sociable and spend time outdoors, why not join St Luke’s Church community gardening group. A great way to learn about Sways’ history is by following one of the walking or cycling routes, stopping off at the 200 foot tall historic Sway Tower, also known as Peterson’s Folly . And of course you are sure to spot some New Forest Ponies along the way! If you are into sports or thinking about joining a club, you don’t have to look far. Within a few minutes walk, you will be at the village Sports Ground and you might even find yourself becoming a member of Sway’s Cricket or Tennis club. ArtSway is the villages contemporary arts centre, with a programme of events hosting exhibitions and workshops that welcome all ages. There are plenty of good places to eat out. Whether you are looking for a relaxing pub lunch at a 200 year old coaching inn or dinner at an Edwardian Manor House, you will be sure to find the perfect table at one of the 4 locally owned pub/restaurants in and around Sway. For some relaxation, there is a local hair and beauty salon, with spa days and afternoon tea on offer less than 3 miles away in Brockenhurst. From Pre-schools to Sixth form, Sway is an ideal location for all. Within a few minutes walk from Chestnut Copse, you will find the village primary school. Secondary school and sixth form options are located close by in surrounding areas. Sway is very well connected with great links by bus and car to the nearby towns of Lymington and New Milton, both within 5 miles of Sway. For a Golf Club, Polo School and Horse Riding you will only have to venture just outside of Sway by car. The train station is located 8 minutes walk away, whisking you off to seaside towns such as Weymouth and Bournemouth. If a trip to the City is planned, you can take the train to Southampton. With London Waterloo taking approximately 2 hours to reach. View Brochure

Shared ownership

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First collection launching autumn

Moat at Morella Woods

by Moat Homes

Lenham, Kent, ME17 2LR

3 bedroom houses

Prices coming soon

Introducing a fantastic opportunity to own a beautiful 3-bedroom house through shared ownership in the charming village of Lenham. These modern family homes feature spacious interiors, contemporary kitchens with integrated appliances, a convenient downstairs cloakroom, and landscaped rear gardens—perfect for family living. With shared ownership, you can secure an affordable way to own a home in this rare and sought-after location. Lenham is a peaceful village with excellent transport links, including a nearby train station offering services to London Victoria in under 90 minutes. The area also boasts 'Good' Ofsted-rated schools, making it an ideal spot for families looking to enjoy both a tranquil lifestyle and easy access to urban amenities. First collection launching autumn | Register your interest Our first homes in the beautiful village of Lenham will be available to reserve off-plan from autumn 2025 and will be ready to move into from early 2026. Don’t miss your chance to call this lovely village home! Register your interest today Register your interest to be the first to hear when these homes are available to reserve off-plan

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: