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Shared ownership houses

Sterling Gardens

by Gascoigne - Pees

Newbury, Berkshire, RG14 5RQ

1 & 2 bedroom apartments

From £56,250 for a 25% share
(From £225,000 Full Market Value)

Welcome to Sterling Gardens, an impressive new development of one- and two-bedroom apartments set around private gardens. This contemporary development benefits from secure allocated parking and is ideally located close to the town centre. These modern-day apartments have been thoughtfully designed and are light, airy and stylish. They feature state of the art appliances and fittings throughout providing a feeling of elegant sophistication. The large open plan living area looks out to the stunning residents’ gardens and boasts stunning views over Newbury and the wider countryside making it the perfect place to entertain family and friends. The individually designed contemporary kitchens features Bosch appliances and bring a chic feel, exuding style. The fully fitted symphony kitchen features handleless cupboards and under unit LED lighting. Beautiful bedrooms are a haven of peace for relaxing and unwinding at the end of a busy day. The main bedroom features mirrored fitted wardrobes with shelving and hanging rail. Elegant bespoke bathrooms have luxury features and are complemented by chrome fittings, natural finish floors, wall tiles to create a serene space and heated chrome towel rail. Newbury is steeped in history and surrounded by some of the UK’s most outstanding countryside providing the perfect mix of vibrancy and relaxation with a fresh, rural feel. This fabulous location and combination of market town ambience with a wealth of retail and leisure opportunities makes Newbury a sought-after location. On your doorstep you have spectacular surroundings including a vibrant arts scene, fine fining to shopping. Big brand names sit side by side with small independent shops and boutiques offering hidden gems, so you never have to venture far. There’s a bi-weekly market and monthly farmers and artisan market with locally sources goods, a must have for any foodie. Once you’ve shopped until you can drop you can relax is one of the many local bars or cafes. Newbury is nestled between the North Wessex Downs and Berkshire Downs in an Area of Outstanding Natural Beauty. An extensive network of public footpaths ensures that within minutes of leaving the town centre you can be immersed in rolling countryside and woodland retreats. Cycle along the towpaths or take the easier option of a relaxing narrowboat trip along the Kennet and Avon Canal. Sterling Gardens offers an easy commute to Reading, London, Oxford, Swindon and Basingstoke making it perfectly located for work and leisure. There are excellent transport links by rail, car, bus and cycle paths. Newbury Station and Newbury Racecourse Station are within nearby walking distance where the journey time to London Paddington is just over 40 minutes. Gatwick, Heathrow, Luton, Stanstead, Southampton and Bournemouth Airports are all within easy reach meaning at Sterling Gardens style, connectivity and relaxation go hand in hand. Key features include: • High-qualify full height double glazed windows • Amtico flooring • Videophone door entry system • TV/ Sky Q provision/ BT fibre broadband point • Architecturally and ecologically designed courtyard garden designed to enhance biodiversity • Private balcony or terrace to every apartment • Lift access • Bike storage spaces available • Car parking spaces available • 10 year build zone warranty cover *The Shared Ownership scheme is a Part Buy, Part Rent way of owning your own home for a smaller upfront payment. With Shared Ownership, you buy a share of your home using a mortgage from a bank or building society and pay a subsidised rent on the share you did not purchase. The combined mortgage and rent is usually less than you’d expect to pay if you bought a similar property outright. When you’re ready, you can buy more shares until you staircase to owning 100% of your home. In order to qualify for the shared ownership scheme the household income must be less than £80,000 a year and you can’t own another property (unless Sold Subject to Contract). Please note, as a Shared Ownership purchase there are likely to be additional legal fees during the conveyancing process, your solicitor can advise you of these. Disclaimers o Rent on the unsold share is charged at 1.75% for the first year. For exact costings, please speak to an independent financial or mortgage advisor. o Deposits start from 5% of your chosen share value and depends on lender and product availability. o Typically shares up to 75% are available depending on your affordability. Please speak to a member of team for more information o Please note images used in this listing are for illustration purposes and are not exact to the property. o EPC and Council Tax Bands are to be determined as new builds. **Car parking will be £30 annually
Shared ownership

Pershore Road

by Rooftop Housing Group

Evesham, Worcestershire, WR11 2AA

2 & 3 bedroom houses

£135,000 - £158,750 for a 50% share
(£270,000 - £317,500 Full Market Value)

Phase 1 and 2 now released for early off plan reservation. Please speak to Rooftop for availability. Rooftop Housing Association, in partnership with Stonebond is proud to introduce an exciting collection of 27 shared ownership homes coming soon to Evesham. This well designed development will offer a mix of 2 and 3 bed houses, ideal for first time buyers and growing families. Each home will combine modern layouts with quality finishes, creating comfortable energy efficient living in a well connected location. ‍ This site is located in the picturesque, historic market town of Evesham which sits alongside the River Avon and beautiful Abbey Park. Situated to the West in Hampton, this development is 2 miles away from the town centre. Shops are centred around two long roads with a variety of shops, cafes, banks, hairdressers, beauty salons and restaurants plus a regular market every Saturday. There is a leisure centre, cinema, doctors’ surgery and three supermarkets within a 5 minute drive. The area benefits from several primary and secondary schools all within a 30-minute walk or short drive from this development, including Prince Henry’s High School rated by Ofsted as outstanding. Hampton itself is well served by local amenities including Hampton Farm shop providing locally produced goods and produce. This site is located just 2.2 miles from Evesham Railway Station, where regular services run to Oxford, London, Worcester, and Hereford. The area has excellent transport links with the M5, M40 and M42 providing access to London, Birmingham, Bristol, Cheltenham, and Gloucester. The nearest airport is Birmingham International, which is a 40 minute drive from Evesham. It is under 20 miles from Worcester, Cheltenham and Stratford Upon Avon.
Shared ownership

Hepworth Place Waltham Forest Town Hall E17

by Riverside Housing

Walthamstow, Greater London, E17 4ZF

1, 2 & 3 bedroom apartments

From £137,375 for a 35% share
(From £392,500 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. Don’t miss your opportunity to own a contemporary home in one of East London’s most sought after neighbourhoods. Hepworth Place is a landmark development set within the iconic Waltham Forest Town Hall regeneration and right in the heart of Walthamstow voted Sunday Times ‘Best Place to Live 2025’. This is your chance to secure a high quality home in a location where demand continues to soar. Landmark Civic Quarter Setting Located within the Waltham Forest Town Hall regeneration, surrounded by historic civic buildings, landscaped public spaces and cultural venues. Contemporary Homes with Premium Specification Designed for modern city living, these stylish apartments offer generous open plan layouts, contemporary kitchens with integrated appliances, underfloor heating and sleek, hotel style bathrooms. Every home benefits from private outdoor space, providing the perfect extension to your living area. Exceptional Transport Connections into Central London -Approx. 15-minute walk to Wood Street Overground Station -Easy links via Walthamstow Central for Victoria Line and Overground services -Conveniently close to the A406 North Circular with connections to A13, M11 and M25 for Greater London and Essex Private Outdoor Space & Green Open Spaces Every home benefits from private balcony or terrace, with Chestnuts Field and landscaped civic gardens moments away. Lifestyle on Your Doorstep On your doorstep, you’ll find an exciting mix of independent cafés, bustling markets including Walthamstow Market - Europe's longest open-air market, green open spaces and leisure facilities such as Waltham Forest Feel Good Centre, creating a lifestyle that’s both vibrant and well balanced. Affordable Shared Ownership in a Prime London Location Available through Shared Ownership, Hepworth Place offers an affordable and flexible route onto the London property ladder allowing you to buy a share that suits your budget while enjoying all the benefits of owning a brand new home in a premium zone. Demand is high so enquire today to avoid missing out! Greener Is the Way Forward According to the Home Builders Federation, on average, owners of a new build apartment save £435 on household bills each year. Those that buy a new build house see even greater annual savings of £555 – which is equivalent to three weeks of an average mortgage or the cost of a takeaway coffee every working day for the year! Key features - Walthamstow, voted Sunday Times ‘Best Place to Live 2025!’ London - 15mins walking distance from Wood Street Station - Easy connections to Walthamstow Central - Buzzing Highstreet on your door step with a range of fantastic independent businesses nearby, from coffee shops to stylish boutiques and famous markets. - Surrounded by ample open green spaces with Chestnut Field right behind - Waltham Forest Feel Good Leisure on your door step - Secure by design with high specification, integrated appliances and energy efficient new homes - Spacious design and private outdoor space to each home - Four local primary schools walking distance away
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:

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

Shared ownership providers

The following housing associations and developers have shared ownership properties available throughout the UK which you can enquire via this website: