Shared ownership houses for sale | What is shared ownership?

How does it work?

Eligibility

Staircasing

Considerations

Shared ownership houses

Shared ownership

Aqua Gardens Royal Eden Docks E16

by Riverside Housing

Royal Docks, Greater London, E16 1AZ

1, 2 & 3 bedroom apartments

From £101,250 for a 25% share
(£405,000 - £642,000 Full Market Value)

Enjoy £1,000 cashback to make your move even smoother when you exchange within 28 days of reservation* T&Cs apply speak to our Sales Consultant. Aqua Gardens is a collection of contemporary 1, 2 and 3 bedroom Shared Ownership apartments set within the landmark Royal Eden Docks regeneration in E16. Offering the rare combination of waterside living, expansive landscaped gardens and outstanding transport connections, this is modern London living designed around wellbeing, balance and convenience Each thoughtfully designed apartment benefits from private outdoor space, generous layouts and high‑quality specification throughout. Interiors feature thermally enhanced full‑height windows, contemporary kitchens with integrated appliances, stylish bathrooms and practical details such as utility cupboards and USB charging points, creating homes that are both functional and beautifully finished. Residents are surrounded by over 5,000 sq m of landscaped communal gardens, with direct access to the dockside and a wealth of open green spaces. A range of premium on‑site amenities available (subject to an advance fee payment equal to £42 a month*), giving you access to a swimming pool, gym, yoga studio, cinema room and residents’ lounge, supporting an active, connected lifestyle. Perfectly positioned for commuters, Aqua Gardens is just a short walk from Custom House station (Elizabeth line & DLR), offering fast links to Canary Wharf, Liverpool Street, Paddington and beyond. The nearby waterside neighbourhood is home to cafés, creative workspaces, leisure activities and cultural destinations, while London City Airport is minutes away. Lots of opportunities for outdoor activities, such as the free 5km Victoria Dock Park run along the dock or open water swimming! Ten minutes along the waterfront you will find Wakeup Docklands (for paddle boarding), Dock Beach for summer relaxation, and the Expressway, a community of almost 200 thriving local businesses. Available via Shared Ownership, Aqua Gardens presents an affordable route onto the London property ladder in one of East London’s most exciting growth areas. Opening Hours: Viewings by appointment only. Marketing Suite Address: Royal Eden Docks Marketing Suite, 14 Western Gateway, London, E16 1DR We are located a 2-minute walk from Custom House station, please go down the steps opposite the Excel, we are opposite Busy Bees Nursery Private and spacious balcony to each apartment 24-hour concierge service and monitored CCTV 3-minute walk to Custom House Station Canary Wharf- London’s Finance district is 3 minutes way Easy Access to all of London’s best universities Home to the London Mayor with City Hall 3 mins walk awayL Water sport activities less than 100 meters away City living at its best with a wealth of connections on your door step even an Uber Boat! Pool, Gym, Cinema and Rooftop running track all for £40 per month* Energy-efficient LED down lights High specification throughout with integrated appliances 88% price increase over the last 10 years £314m investment into the Royal Docks becoming London’s newest Tourist destination 35% below the average price in London so great for First Time buyers

Shared ownership

Keldview Rise

by Thirteen Group

Beverley, East Riding of Yorkshire, HU17 0XL

3 & 4 bedroom houses

From £25,000 for a 10% share
(From £250,000 Full Market Value)

Welcome to Keldview Rise We are thrilled to offer a beautiful range of 3 & 4-bedroom homes for Shared Ownership, exclusively built by renowned builder, Linden Homes in Beverley – a sought-after, historic town with an excellent choice of local amenities. These desirable new build homes are in the attractive and historic market town of Beverley – named in The Times list as one of the best places to live in the north. Located in the green, rolling countryside of Yorkshire's East Riding, Beverley benefits from a good choice of high street shops, as well as banks, supermarkets, a gym, library, and a host of places to eat and drink. Our new build homes for sale have easy access to A-roads and the nearest train station is just a short distance away. Commuters can easily reach Hull, Bridlington, and York, while families with children will find a good selection of Ofsted-rated schools for all ages within easy reach of home. With so many amenities nearby, the collection of houses for sale at Keldview Rise offers the perfect place for first or second time homeowners, growing families or those just looking for a change! Shared Ownership is the home buying scheme you never knew you needed. It’s simple. You buy what you can afford and pay rent on the rest.

Shared ownership

Martello Lakes

by Love Living Homes

Hythe, Kent, CT21 4NE

2 & 3 bedroom houses

for a 25% share
( Full Market Value)

Discover coastal living at Martello Lakes in Hythe, where a sought-after seaside community now offers beautifully designed 2 and 3 bedroom homes through Shared Ownership. With Phase 3 releasing throughout 2026 and more homes anticipated in Winter 2027 (build dependent), you can secure a high-quality new-build home from just a 25% share. Thoughtfully designed for modern life, each home features contemporary kitchens, stylish interiors, energy-efficient air source heat pumps, and high-quality finishes. Martello Lakes is the perfect place to step onto the ladder, upsize, or plan for the future — all by the coast. All homes are subject to a nominations agreement and offered to people local to Tunbridge wells in the first instance CGIs are an artistic impression and may differ from finished product. Please consult the sales advisor for more details.

Shared ownershipGreen features

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: