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Shared ownership houses

The Willows at Stortford Fields

by Red Loft

Bishops Stortford, Hertfordshire, CM23 0BL

1 & 2 bedroom apartments

£87,500 - £112,000 for a 35% share
(£250,000 - £320,000 Full Market Value)

Ready to move straight into – don’t miss our upcoming viewing day on Saturday 6th June! A collection of 9 one & two-bedroom Shared Ownership apartments are now available in Bishop's Stortford! Register your interest to find out how to arrange a viewing. • Parking available to all properties • Fantastic location • Fitted Symphony kitchens with integrated appliances - extractor, hob & oven, fridge-freezer, washing machine and slimline dishwasher • Fitted carpets to bedrooms • Private balcony/terrace • 990-year lease • Predicted Energy Rating: B • Shares available from 35% Location Bishop's Stortford is a market town with a long history that is still thriving in the 21st century. It's great for shopping, from traditional stalls to a modern mall. There’s an impressive arts complex offering live theatre, dance, cinema and a museum of local history. You’ll have a good choice of schools and excellent medical facilities, including a local hospital. The town is surrounded by beautiful countryside. A stroll through the ancient royal hunting grounds of Hatfield Forest is the perfect way to relax and unwind after a hard week at work. The whole of East Anglia is waiting to be discovered. One weekend you could be wandering around the historic colleges of Cambridge, while the next you could be cheering on a winner in the three thirty at Newmarket. Ely, with its famous cathedral, and the charming olde worlde town of Bury St Edmunds are also within reach. The air museum at Duxford is a quick drive up the motorway. Then, when you fancy a night on the town, the bright lights of London are waiting. From Bishop’s Stortford station, you can be in London Liverpool Street in under 50 minutes and there are excellent rail links to Colchester, Cambridge, Norwich and King’s Lynn. There are also frequent bus and coach services. As well as connecting you to London, the nearby M11 joins you to the M25 and national motorway network. And, of course, there’s an airport on hand for when you wish to travel further afield. Though, maybe best of all, is an afternoon on your bike riding the towpath of the River Stort.
Shared ownership

Riverside Square

by Hyde New Homes

Canterbury, Kent, CT1 1SZ

2 bedroom apartments

From £83,750 for a 25% share
(From £335,000 Full Market Value)

Make your move to Riverside Square in 2026! New two bedroom apartments in the heart of Canterbury ready to move in and available through shared ownership with a moving contribution up to £5,000* on selected homes*. Plus, you can secure your new home for only a £99 reservation fee**! With over 50% sold and our most popular styles now available, don’t miss out and book your appointment to explore our stunning show home. The apartments with sought-after parking form part of an emerging new neighbourhood, combining a wealth of history with modern riverside living. Experience the calm of the landscaped podium gardens, the buzz of The Riverside leisure complex and the convenience of the city centre a walk away. A new riverside community in the heart of Canterbury • Located a short walk to The Riverside, a £115 million leisure quarter, including an array of bars, restaurants and a 5-screen cinema. • Landscaped communal gardens overlooking the River Stour • Excellent transport connections into central London, Kent and beyond; reach London St Pancras in 55 minutes!* • In close proximity to The Kings Mile district and Canterbury City Centre • Allocated parking to every home • Private balconies or terraces to all homes • Fitted wardrobe to principal bedroom • Well connected to the A2/M2 for London and the M25 for the Dartford Crossing and Dover The Hyde Difference • Over 90% customer satisfaction for 12 consecutive years • Experienced in-house sales team to help you with the process to owning your own home • Option to purchase more shares and own your home outright at any time • High specification as standard • Contemporary kitchen units with integrated appliances • NHBC warranty • Quality flooring included *Terms and condition apply. Limited time only for reservations between 03.01.26 to 31.03.26 subject to availability and share of plot purchased. See hydenewhomes.co.uk website or register for more details. **Terms and conditions apply. Limited time for new reservations only between 11.10.25 and 31.01.26 and only on selected plots ready to move now. Reservation fee is payable upon full financial qualification and sale agreement for the plot of your choice and non-refundable should your agreed sale not proceed to legal completion.
Shared ownership

Woodside Meadows

by Manners & Harrison

Hartlepool, County Durham, TS25 1DF

3 & 4 bedroom houses

From £52,500 for a 30% share
(From £175,000 Full Market Value)

Seaton Meadows development is just a couple of miles from the coastal village of Seaton Carew. With great transport links, local amenities, attractions and outdoor spaces, this is an ideal place to invest in your future. The Amber The Amber is a spaciously-designed, semi-detached, three-bedroom family home. Built to a high-quality standard, this property boasts charming designs and modern décor along with energy efficiency throughout. On the ground floor, The Amber consists of a large, open-plan kitchen-diner with sizeable patio doors leading to the private rear garden. In addition, a convenient ground floor w/c accompanies a generously-sized lounge area. The first floor comprises a main bedroom with en-suite shower and washroom as well as two large double bedrooms, a family bathroom and landing with access to the loft space. Located in the lively town of Hartlepool, the new Seaton Meadows development is just a couple of miles from the coastal village of Seaton Carew. With great transport links, local amenities, attractions and outdoor spaces, this is an ideal place to invest in your future. Share advertised is 30% of the full market value of £175,000. The Sage The Sage is a semi-detached, three-bedroom family home offering space and elegance throughout. Built with energy-efficient materials to a high-quality specification, this property delivers superb designs, modern décor and excellent finishes. On the ground floor, The Sage offers a spacious open-plan Howdens fitted kitchen-diner with French patio doors leading to the private rear garden. There is also a convenient ground floor w/c, storage room and a generous-sized living area, along with outside parking for two vehicles. The first floor comprises a main bedroom with en-suite shower and washroom, a sizeable double bedroom and a single bedroom that could easily double as a home office. A family bathroom completes this home with full-height bath tiles, quality finishes and fitted vinyl flooring. Located in the lively town of Hartlepool, the new development of Seaton Meadows is just a couple of miles from the coastal village of Seaton Carew. Thanks to great transport links and no shortage of local amenities, attractions and outdoor spaces, this is an ideal place to put down roots. Share advertised is 30% of the full market value of £185,000. The Jade The Jade is a generously-designed, semi-detached, four-bedroom family home. Built to a high-quality standard, this property presents charming designs, modern décor and energy efficiency throughout. On the ground floor, The Jade comprises a spacious open-plan Howdens fitted kitchen-diner, a convenient separate w/c and a sizeable living area with large patio doors leading to the private rear garden. Outside of the property, you will also find a generous garage space and parking for an additional two vehicles. The first floor consists of a main bedroom with en-suite shower and washroom, another two large double bedrooms, a single bedroom and a stunning family bathroom with modern tiles, fixtures and fittings. Located in the lively town of Hartlepool, Seaton Meadows is a new development just a couple of miles from the coastal village of Seaton Carew. With great transport links, local amenities, attractions and outdoor spaces, this is an ideal place to put down roots. Share advertised is 45% of the full market value of £225,000.
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:

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

Shared ownership providers

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