Shared ownership houses for sale | What is shared ownership?

How does it work?

Eligibility

Staircasing

Considerations

Shared ownership houses

Shared ownership

Heritage Green

by Fulfords

Exeter, Devon, EX2 8TS

2, 3 & 4 bedroom houses

£67,500 - £156,250 for a 25% share
(£270,000 - £625,000 Full Market Value)

FINAL RELEASES NOW SELLING AT HERITAGE GREEN, ALPHINGTON, EXETER! The affordable way to buy with less deposit and a lower mortgage*; Heritage Green offers a selection of spacious Shared Ownership homes, perfect for a wide range of buyers. Exeter city centre is just 11 minutes’ drive providing a great selection of education, retail, employment, sport and leisure. 2 bedroom homes from £108,000 based on buying at 40% share 4 bedroom homes from £130,000 based on buying at 25% share 5 bedroom home at £156,250 based on buying at 25% share These homes will feature: Stylish specification Carpets & flooring throughout Integrated appliances Parking Solar Panels

Shared ownershipGreen features

Ambia

by Gascoigne - Pees

Maidenhead, Berkshire, SL6 8FX

1 & 2 bedroom apartments

£26,500 - £148,750 for a 10% share
(£265,000 - £1,487,500 Full Market Value)

Receive a One4All voucher worth £500 when you reserve your new home at Ambia!* Thoughtfully designed one and two bedroom apartments available on Shared Ownership. These stylish apartments feature an open-plan kitchen / living / dining room with a private balcony. The kitchen is fitted with an oven, hob and hood and the bathroom has a modern, white suite. Specification: • Ample double power sockets with USB points throughout • Telephone point to living room and TV aerial point to living room and bedroom • Space and plumbing for washing machine in utility cupboard • Fitted Symphony kitchen featuring grey soft-close doors and drawers with white units • Removal unit for dishwasher with plumbing and electric provided • Heated chrome towel rail to bathroom Discover the best of town, enjoy a swim or workout at Braywick Leisure Centre, grab a bite at The Maiden’s Head, or browse shops at Nicholsons Shopping Centre. If you fancy something different, Windsor is just 15 minutes by car for a day of culture and history. For younger children, Riverside Primary and St Luke’s C of E are within easy reach of our new build flats in Maidenhead. Older students have plenty of nearby options too, including Desborough College and Furze Platt Senior. Buckinghamshire New University is also close by for higher education. Enjoy effortless travel from these stunning new flats in Maidenhead. A 5-minute walk takes you to the nearest bus stop, while nearby Maidenhead station and the Elizabeth Line offer trains to London in just 25 minutes. Driving? The M4 is close by, and you can reach Heathrow Airport in a speedy 18 minutes. 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. 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. *These photos are for information purposes only and may not represent a true likeness for the units being sold. They may have been digitally furnished to represent how the home could be laid out; the final colours/appearance/specification may differ from the images and are not plot specific. **Predicted council tax and EPC band: New build properties, band to be determined. ***Service charge is reviewed once a year. Move in for Christmas: Ambia *Available on new reservations only. One One4All voucher will be provided following legal completion worth £500 (including VAT) for Ambia. Only applicable to new reservations received from Monday 14 September 2026, when reserving on or before 5.00pm on Saturday 31 October 2026. Subject to contract. Exchange of contract within 42 days. Incentive maybe withdrawn if exchange of contracts is not completed within 42 days. This offer cannot be used in conjunction with any other offer. Following withdrawal or termination of any offer, we reserve the right to extend, reintroduce or amend any such offer as we see fit at any time. The promoter is Abri Group Limited (trading as Abri or Abri Homes.) a Registered Society under the Co-operative and Community Benefit Societies Act 2014, no. 8537 and a charitable registered provider with the Regulator of Social Housing no. L4172) and The Swaythling Housing Society Limited (a Registered Society under the Co-operative and Community Benefit Societies Act 2014 no. 10237R and a registered provider with the Regulator of Social Housing no. L0689). Registered office: Collins House, Bishopstoke Road, Eastleigh, Hampshire SO50 6AD. Authorised and regulated by the Financial Conduct Authority. By participating in Abri offers/promotions, the participant is indicating his/her agreement to be bound by these terms and conditions. The entry instructions form part of the terms and conditions. No personal information gathered from these offers/promotions will be passed on to any third party. For more information about how Abri protects your privacy see abri.co.uk/data-protection. The offer is not transferable and subject to availability. Abri reserves the right to substitute the offer with another of equivalent or greater value without giving notice. No part or parts of the offer may be substituted for other benefits. Abri reserves the right to cancel, amend, withdraw, terminate or temporarily suspend the offer without notice in the event of any unforeseen circumstances or technical reason outside its reasonable control. Where there is any inconsistency between these General Terms and Conditions and any Special Terms for a particular offer/promotion, the Special Terms will override the General Terms. Abri’s decision in respect of all matters to do with the offer/promotion will be final and no correspondence will be entered into. This offer/promotion and terms and conditions will be governed by English law and any disputes will be subject to the exclusive jurisdiction of the courts of England. Any tax liability as a result of entry is the participant’s own.

Shared ownership

Odyssey Square

by PA Housing

Croydon, Greater London, CR2 6FZ

1 & 2 bedroom apartments

£78,125 - £104,375 for a 25% share
£312,500 - £417,500 Full Market Value

Odyssey Square offers a collection of Shared Ownership apartments in South Croydon, featuring a selection of beautifully designed one and two-bedroom homes. Set around a landscaped communal courtyard, this vibrant development creates a welcoming environment for singles, couples, and families alike.Each apartment features a light-filled living space, thoughtfully designed to maximise natural light and comfort. High-quality specifications come as standard, alongside the added benefit of a private outdoor space for every home, as well as access to the shared courtyard.Located in the heart of Greater London, South Croydon offers a unique blend of heritage, culture, and contemporary convenience. From its rich history and diverse retail options to its notable landmarks, the area continues to attract residents seeking a dynamic and well-connected place to live, work, and enjoy.Now offering £2,500 cashback on completion and £1,000 towards defects. T&Cs apply*. Ask our Sales Executive for more information. Please note plot B4.02 is not part of this offer.*Offer subject to new reservations made by 31 October 2026.Disclaimer: These details are for guidance only and do not form part of any contract. All photographs are for style purposes only. Some images are computer generated and are intended as general indication only. Specifications are subject to change. Details and landscaping may vary. All floor plans are approximate and not to scale. All distances and maps referred to are approximate and for general guidance only.

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: