Shared ownership houses for sale | What is shared ownership?

How does it work?

Eligibility

Staircasing

Considerations

Shared ownership houses

Shared ownership

Chateau Mews

by Auxesia Homes

West Bridgford, Nottinghamshire, NG2 7DZ

3 bedroom houses

From £170,000 for a 50% share
(From £340,000 Full Market Value)

Chateau Mews – A Rare Opportunity in Nottingham’s Most Prestigious Neighbourhood With upgraded specifications to flooring and kitchen appliances, we have a very limited number of Shared Ownership homes now available to reserve. Offering you the chance to secure a brand-new property in the heart of West Bridgford. With only a handful released on site, this is a unique opportunity to step onto the property ladder in one of Nottingham’s most desirable locations; moments from green spaces, river walks, and vibrant cafés. 3-Bedroom Homes – Plot 84 & 85 - 917 sqft - The Clarendon Rent per month - £389.58 Each home has been crafted with modern living in mind, blending stylish interiors with practical layouts that maximise space and natural light.

Shared ownership

Homes now available to reserve off-plan

Crown Hill View

by Moat Homes

Ashford, Kent, TN24 9QP

3 bedroom houses

£100,000 for a 25% share
£400,000 Full Market Value

Shared ownership in Ashford Welcome to Crown Hill View, an exciting new development in the sought-after area of Kennington, Ashford. This peaceful, well-connected neighbourhood offers a collection of stylish 3-bedroom houses, available through shared ownership. It’s a rare opportunity to step onto the property ladder in a location that perfectly balances green, village-style living with excellent access to Ashford’s transport links, including the M20 and high-speed rail to London. Whether you're looking for your first home or a spacious place for your growing family, our houses at Crown Hill View have been thoughtfully designed to offer both comfort and style — all set within a calm, safe, and welcoming community. Set in a green and tranquil neighbourhood, Kennington is known for its tree-lined streets, local parks, and family-friendly atmosphere. Despite its quiet charm, Crown Hill View is just minutes from Ashford’s vibrant town centre, where you’ll find everything from shopping centres and restaurants to cultural attractions. With superb transport links and a location that offers both peace and convenience, these shared ownership houses at Crown Hill View give you the best of both worlds. New houses collection available to reserve | Move in 2026 These homes are now available to reserve off-plan, giving you the chance to secure a beautiful new home in this popular development ahead of completion. Register your interest today to receive more information about these beautiful homes.

Shared ownership

Oaklands Place

by VIVID

Fareham, Hampshire, PO14 4PH

2 & 3 bedroom houses

£77,500 - £90,000 for a 25% share
(£310,000 - £360,000 Full Market Value)

Oaklands Place in Fareham offers a selection of newly built 2 and 3-bedroom houses with clean, functional layouts and modern finishes. Located close to Fareham town centre, the development provides convenient access to shops, schools, and transport links to Portsmouth, Southampton, and surrounding areas. Set in a quiet residential neighbourhood, these homes offer a straightforward option for buyers looking to move into a well-connected part of Hampshire. With nearby green spaces and coastal paths, Oaklands Place combines practical living with a pleasant local environment.

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: