Shared ownership houses for sale | What is shared ownership?

How does it work?

Eligibility

Staircasing

Considerations

Shared ownership houses

Shared ownership

ICON at Burnt Oak

by Sovereign Network Group

Edgware, Greater London, HA8

2 bedroom apartments

£107,500 for a 25% share
£430,000 Full Market Value

90% Reserved! A collection of 2 bedroom high-quality Shared Ownership apartments in Edgware. Ready to move into! To support you, we’re offering up to £1,500 towards legal fees and mortgage advisor costs when you use our recommended solicitors and independent financial advisor (IFA). ICON is located to the south of Burnt Oak Station in the London Borough of Barnet and is situated a short walk from the historic Watling Avenue and Burnt Oak Broadway interchange. Just moments from an array of local shops and handy convenience stores. Be part of the wider community with schools, dental and doctor surgeries, places to worship and open spaces. Living at ICON you will also have easy access to Barnet's wide collection of parks and open spaces. Silk Stream Park is within a short 5 minutes' walk from your new home. This is a large open space with recreation facilities and the Silk Stream water way running through it. This green area leads directly into Montrose Playing field, which is another extensive open park land. The new homes at Icon are available to purchase on a Shared Ownership basis, offering a perfect opportunity for local people to get a step on the property ladder. The Shared Ownership scheme aims to help those who might not otherwise be able to get into home ownership. At Icon, Shared Ownership gives you the opportunity to buy a share of your new home, starting at 25% or more if you can afford it. The rest is owned by Network Homes and you pay a subsidised rent on this portion in addition to your own mortgage. You will also need to have savings to cover any deposit required by your mortgage lender and the costs involved in moving.

Shared ownership

Points Cross

by Guinness Homes

Leeds, West Yorkshire, LS10 1JY

1, 2 & 3 bedroom apartments and 3 bedroom houses

Prices coming soon

Introducing our anticipated Shared Ownership collection of brand-new apartments at Points Cross, Leeds - Book a Viewing! New Shared Ownership releases offering beautifully designed homes- including 1, 2 and 3 bedroom apartments and spacious 3 bedroom duplexes. This development is perfectly positioned within walking distance of Leeds Dock and Leeds Station, placing your new home in the best location for Leeds living.Development Information:1, 2, 3 bedroom apartments & 3 bedroom duplexes Leeds Dock location Allocated parking for 3 bedroom homes Staircase up to 100%Communal gardens Reserve for just £99 Contemporary City LivingEach home at Points Cross is fully fitted with contemporary finishes. Enjoy open-plan living spaces that flow seamlessly onto private balconies or terraces, perfect for relaxing or entertaining. Landscaped communal areas provide a refreshing pause from the city. With flexible commercial spaces available, Points Cross will become a dynamic location surrounded by a growing community and excellent transport links.Unbeatable LocationLive moments from the vibrant Leeds Dock, with its waterfront cafes, restaurants, and cultural attractions. Leeds Station is just a short stroll away, making commuting and exploring the city effortless. Whether you're a first-time buyer, a growing family, or a professional seeking convenience, Points Cross delivers the lifestyle you've been searching for.Living Spaces & KitchensHomes are created with contemporary styling and everyday usability. Large windows, private balconies, open layouts and modern appliances form bright, airy spaces perfect for relaxing, entertaining or working from home.Kitchen features include: Slate grey handless cabinetsMarbled laminate worktopsUnder‑cupboard LED lightingSmoked glass splashbackIntegrated fridge/freezer, dishwasher, oven and induction hob Finishes & BathroomsWith oak vinyl flooring, neutral greige bedroom carpets, porcelain bathroom tiles and clean white finishes throughout, the interiors feel both elegant and practical. Bathrooms include white sanitaryware, chrome fittings, a bath with glass screen and full‑height tiling.Register your interest for the new release of homes in 2026 - Enquire NowShared OwnershipThe Guinness Homes Shared Ownership scheme is another way to buy your home. You buy a percentage, pay rent on the rest and pay a service charge. Guinness Homes owns part of it - but you're living there, you decorate it and decide when to sell.Buying a smaller percentage means a smaller deposit and a smaller mortgage. It's a sooner first step on the ladder for lots of people. If you can afford the re-calculated monthly repayments required (as assessed by us), you can even carry on buying further shares to own it 100%.Why not enquire today and speak to our dedicated sales team to find out how Shared Ownership can work for you.

Shared ownership

Poppy Fields

by Home Reach

Horncastle, Lincolnshire, LN9 6NG

3 & 4 bedroom houses

From £108,998 for a 50% share
(From £217,996 Full Market Value)

Welcome to Poppy Fields, a stunning new collection of 3 and 4 bedroom homes in Horncastle, situated in the very heart of Lincolnshire. This beautiful English market town offers a gateway to the breathtaking Lincolnshire Wolds and its picturesque landscape and stunning villages, making this an idyllic place to call home. EPC rating: PEA- B Images are for illustrative purposes only. Please speak to Sales Adviser for full details **See the key information here

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: