Shared ownership houses for sale | What is shared ownership?

How does it work?

Eligibility

Staircasing

Considerations

Shared ownership houses

Shared ownership

Meadowcroft Farm

by Midland Heart Housing Association

Nuneaton, Warwickshire, CV11 6YW

2 & 3 bedroom houses

£56,250 - £70,000 for a 25% share
(£225,000 - £280,000 Full Market Value)

Brand New 2 & 3 Bedroom Houses available to buy on Shared Ownership with £1,000 Cashback^. 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. • 2 Bedroom Houses from £56,250 for a 25% share • 3 Bedroom Semi-detached Houses £70,000 for a 25% share • Option to buy more shares to own 100% of the property in the future • £1,000 Cashback^ available on selected plots • Affordable Homes - Exclusive to Midland Heart 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%) 25% share = £56,250 Rent = £386.72 3 Bedroom £280,000 (100%) 25% share = £70,000 Rent = £481.25 Plus the following monthly charges: Management Charge: £22.00 Buildings Insurance: 2 bed £17.30; 3 bed £19.76 Estate Charge: £5.53 ^£1,000 Cashback available on selected plots. Subject to terms and conditions, amount dependent on plot & only payable upon completion by a specific date. 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 the minimum share of 25% and is for illustration purposes only (to give an indication of the cost of purchase, rent, etc). Higher 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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Lombard Square Shared Ownership

by Peabody New Homes

Plumstead, Greater London, SE28 0FA

1 & 2 bedroom apartments

£76,250 - £101,250 for a 25% share
£305,000 - £405,000 Full Market Value

New 1 & 2-bedroom homes now launched in Plumstead, SE28Lombard Square is a brand-new collection of Shared Ownership apartments in the Royal Borough of Greenwich, in southeast London.What to expect at Lombard Square:- Experience nature all around you with a new 1.8-acre Garden Square- Gym, coffee shop and Tesco Express on your doorstep*- Take a 10-minute stroll to the Royal Arsenal Riverside and River Thames- Catch direct trains to Canary Wharf, Liverpool Street & London Bridge- Prime connections with Plumstead station just a 5-minute walk, and Woolwich and Woolwich Arsenal stations close by*- Wheelchair adaptable homes availableRegister your interest and find out more about the new homes!*Your move, your way incentive T&C's:*5% deposit boost available on selected homes <Gilham House (Plot 104, 106, 212), Hopper House (Plot 202, 210, 810), Burrell House (Plot 109, 201, 203), Dray House (Plot 102, 301, 505) and Kubrick House (Plot 102, 209, 210)>. The buyer is only expected to find a deposit of 5% of the value of their share value of the property, and will benefit from 5% deposit boost post-completion. Contribution available in the form of a 5% deduction from your completion statement. Offer per individual household/home sold and cannot be used in conjunction with any other offer. Additional T&Cs, eligibility and affordability criteria may apply. Please speak to a member of our sales team for more details or visit peabodynewhomes.co.uk/offers. Incentive valid on reservations taken from 15 July 2026 - 30 September 2026. Prices and details correct from July 2026.

Shared ownership

The Tetford

by Bridgfords

Ripon, North Yorkshire, HG4 2FE

3 bedroom houses

From £162,500 for a 50% share
(From £325,000 Full Market Value)

Shared Ownership Home at 50%. Designed with modern living in mind, The Tetford is an ideal home for couples or growing families who love both relaxing and entertaining. The ground floor offers a warm and inviting living room—perfect for unwinding after a busy day. Stylish sliding doors open into a spacious kitchen and dining area, creating a sociable hub for hosting guests or enjoying everyday family life. The contemporary kitchen is thoughtfully designed with ample workspace, integrated appliances, and room for a dining table seating six. Practical features enhance everyday convenience, including a separate utility room with direct garden access—ideal for outdoor gear—and a handy downstairs W/C. Upstairs, the property continues to impress with two generous double bedrooms. The main bedroom benefits from a sleek en-suite shower room, while the third bedroom provides flexibility as a nursery, home office, or guest room. Outside, French doors lead to the rear garden. The home also benefits from two private parking spaces.

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: