Shared ownership houses for sale | What is shared ownership?

How does it work?

Eligibility

Staircasing

Considerations

Shared ownership houses

Receive a moving contribution up to £4,500*

Stories Wharf

by Hyde New Homes

North Woolwich, Greater London, E16 2JS

1, 2 & 3 bedroom properties

From £74,000 for a 25% share
(From £296,000 Full Market Value)

New collection of 1, 2 & 3 bedroom waterfront apartments in Zone 3 North Woolwich. Benefit from our exciting Autumn Saver Offer! Receive a moving contribution up to £4,500* and reserve your new home for just £99**. Set in a prime waterside location overlooking the River Thames with cityscape surroundings and fast journey times around London, Stories Wharf has plenty to offer. And as part of the wider £5 billion Royal Docks regeneration, living here means you will be in the centre of this vibrant and rapidly evolving riverside neighbourhood. With its enviable location, Stories Wharf offers the opportunity to invest in your future, surrounded by a host of London’s amenities a short journey away. From river views to iconic landmarks such as Canary Wharf, Thames Barrier and The O2 – the scene is set for all the stories yet to write. Priced from £74,000 for a 25% share. To speak to a member of our sales team, please register your interest. Marketing Suite and Show Home open to view Tuesday – Saturday, 10AM – 4PM by appointment only. Start Your Own Story • Allocated secure undercroft parking to selected homes • Cycle storage and electric car charging points • Private balconies, terraces or patios to all homes • Landscaped communal garden • Shared roof terraces • Communal solar panels and energy efficient homes • Views over the River Thames to selected home Your New Chapter • Zone 3 location with various rail lines, including the Elizabeth Line, to travel into Canary Wharf in 15 mins • Well positioned for transport, shops, schools and local parks • Located close to London City Airport, City Hall, ExCel Centre and the IFS Cloud Cable Car • Community activities, facilities and sightseeing available across the river in nearby Woolwich and Greenwich Discover The Hyde Difference • Over 90% customer satisfaction for 13 consecutive years • Experienced in-house sales team to help you with the process to owning your own home • Option to purchase more shares and own your home outright at any time • High specification as standard • Contemporary kitchen units with integrated appliances • NHBC warranty • 999 year lease • Quality flooring included *Terms and conditions apply. Limited time only for reservations before 31.10.26 subject to availability, share of plot purchased, lender approval and exchange and completion dates. See website or register for more details. **Terms and conditions apply. Limited time for new reservations only between 10.09.26 to 31.10.26 and only on selected plots ready to move now. Reservation fee is payable upon full financial qualification and sale agreement for the plot of your choice and non-refundable should your agreed sale not proceed to legal completion.

Shared ownershipGreen features

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

Living at EdCity

by Hammersmith & Fulham

White City, Greater London, W12 7TG

1 & 2 bedroom apartments

for a 25% share
(£127,500 - £143,750 Full Market Value)

Discover your new chapter at Living at EdCity, offering a collection of 84 Shared Ownership apartments in the thriving White City Innovation District. This contemporary collection of one and two bedroom and wheelchair apartments with private balconies, is part of the wider EdCity development and will be available to those that live or work in Hammersmith and Fulham. Moments from the former BBC Television Centre – now a lively destination offering dining, entertainment and a vibrant communal plaza where pop-ups and seasonal events bring the area to life – Living at EdCity sits at the heart of creative enterprise, surrounded by opportunities making this an exciting place to live. With two stations within a 10‑minute walk, Living at EdCity offers rapid connections on the Central and Hammersmith & City lines. And with Europe’s largest shopping centre, Westfield London, just a short stroll away; educational opportunities at EdCity on the doorstep; and White City’s thriving business district offering a wealth of career prospects, you might never want to leave! To purchase a Shared Ownership home at Living at EdCity, please first register with Hammersmith and Fulham Home Buy by creating an account. If you haven't already created one, please do so as soon as possible by clicking the below link: Then click the Register Now tab to begin. When creating your account, make sure to opt in for property alerts so you are notified once we advertise these properties on the Home Buy website. You must login and click on the advert to register your interest in it. This will ensure you are on the Hammersmith and Fulham Home Buy list of interested buyers. If you are eligible, you will be contacted so we can guide you through the next steps. 1 Bed Apartments: Open market value from £510,000.00 Share amount from £127,500.00 Share percentage from 25% Rent from £558 a month Service Charge from £308 a month Minimum deposit from £12750 2 Bed Apartments: Open market value from £575,000.00 Share amount from £143,750.00 Share percentage from 25% Rent from £539 a month Service Charge £375 a month Minimum deposit £14375 Disclaimer The open market value, service charge and rent are starting from prices and are unit dependent. Photos are for illustrative purposes only and may not represent a true likeness to the individual units being sold. We have taken all reasonable care to ensure the accuracy of the information provided on this page; however, it is intended for general guidance only and may be subject to change. The Council does not guarantee the accuracy or completeness of this information, and all details are provided for illustrative purposes. The Council undertakes continuous development, so specifications and particulars may vary over time. Nothing on this page constitutes a formal offer, invitation, or contract to purchase any property, and no reliance should be placed on the information provided. All plans, descriptions, dimensions, and measurements are approximate and for guidance only. This information is given without responsibility on the part of the Council.

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: