Shared ownership houses for sale | What is shared ownership?

How does it work?

Eligibility

Staircasing

Considerations

Shared ownership houses

New homes in Christchurch, Dorset!

Hartstone by Aster (shared ownership)

by Aster Homes

Christchurch, Dorset, BH23 1FR

1, 2 & 3 bedroom houses

£94,500 - £193,440 for a 40% share
£236,250 - £483,600 Full Market Value

Christchurch, Dorset is a town where historic charm, natural beauty, and modern convenience come together effortlessly. Nestled between the stunning Dorset coastline and the New Forest National Park, this sought-after location offers a lifestyle that appeals to families, professionals, and retirees alike.With its gentle rivers, award-winning beaches, and vibrant town centre, Christchurch provides the perfect backdrop for those looking to put down roots in a place that feels truly special.Welcome to Hartstone by Aster.Set where coast and countryside meet, Hartstone by Aster brings a thoughtfully curated collection of luxury 1-5 bedroom new-build homes, for shared ownership and open market sale, in the heart of Christchurch, Dorset.

Shared ownership

Shepherds Green

by VIVID

Hordle, Hampshire, SO41 0FF

2 bedroom coach houses

£77,500 - £110,000 for a 25% share
(£310,000 - £440,000 Full Market Value)

At a Glance - Newbuild Shared Ownership - Leasehold with 990 year lease - Council Band: TBC (Find out more) - Predicted energy assessment ratings: TBC - Newbuild Warranty Provided - Local Applicants may have priority on this site and there may be a restriction on staircasing (up to 80%) - We may be required to discuss your application with the Local Authority - Current expected handover date from developers: February 2026 - Pets welcome Nestled on the edge of the New Forest National Park, Hordle offers the perfect balance of countryside charm and coastal living. A rare opportunity to buy a Shared Ownership home in such a beautiful location. There are many walking trails, cycling routes and areas of natural beauty to explore. This location is a short drive from Milton-on-Sea and Barton-on-Sea where there are beaches, pubs and many places to walk and explore. Hordle has some very useful amenities including local shops, a village school and welcoming pubs. Slightly further afield in Lymington, Christchurch and New Milton there are further shops and places to eat and drink. There are mainline rail services from New Milton, and road links to Bournemouth, Southampton and London for commuting and social life.

Shared ownership

Wilton Gate & Chapel Gate, Netherhampton

by Aster Homes

Salisbury, Wiltshire, SP2 8FY

2 bedroom houses

£124,000 - £126,000 for a 40% share
£310,000 - £315,000 Full Market Value

HOMES FOR SALE IN NETHERHAMPTONWithin Wilton Gate, a selection of 2 and 3-bedroom homes are available to reserve now. WHERE IS NETHERHAMPTON?Located just 3 miles from the city centre and boasting views of Salisbury Cathedral, these brand-new estates have scenic open spaces including a country park and is the perfect community whether a first time buyer or looking for more space for the family.WHAT TO DO IN NETHERHAMPTONSalisbury itself is a city of incredible history and immense beauty. At the heart of it you have the impressive Cathedral, attracting visitors from all over the world. You then have an array of shops, cafes and restaurants nearby as well as the lovely Churchill Gardens which hosts a play area, skate park and a football/basketball court.There are a number of Primary Schools nearby to choose from alongside an excellent secondary school and the South Wiltshire Grammar School. All in all, you will be spoilt for choice.Near Wilton Gate and Chapel Gate, you will find Salisbury and South Wiltshire Golf Course, Salisbury Racecourse and the Lorenzo Trail which is a great place for a walk with the family or dogs. You can also find a variety of walks and green spaces along the bank of the River Avon which runs through the centre of the city and in an evening, there's plenty to do whether you looking for a Cinema, the Theatre, a Cocktail bar or a little club life.

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: