Shared ownership houses for sale | What is shared ownership?

How does it work?

Eligibility

Staircasing

Considerations

Shared ownership houses

Shared ownership

Woodland Edge

by William H Brown

Bradford, West Yorkshire, BD4 6DR

Last 2 bedroom house

£142,500 for a 75% share
(£190,000 Full Market Value)

The Arun is a stylish two-bedroom home ideally located in Bierley, close to shops and good transport links. These modern, energy efficient homes are perfect for first-time buyers and families alike. The contemporary open plan living area of the ground floor also includes a handy W.C, and storage. In the kitchen you'll find a stylish Symphony fitted kitchen, with soft close drawers and cupboards, finished with matching worktops and upstands.The living space includes French doors which open up to give you easy access to the turfed rear garden, perfect for those sunny days and warmer evenings. On the first floor there's a double bedroom plus a further spacious single bedroom plus a modern family bathroom with white sanitaryware and a shower over bath. These stylish homes also benefit from flooring fitted throughout, solar panels plus an EV charging point. Development Location Our brand-new two and three-bedroom homes located at Woodland Edge in Bradford have been thoughtfully designed to suit a range of lifestyles and - thanks to Shared Ownership - they're more affordable too. Built to a high specification with energy efficiency in mind, the homes all feature good sized living areas, storage and private rear gardens. Excellent amenities are within easy reach plus access to local transport links with the A1677 ring road and M606 nearby, giving access to Bradford city centre and linking to the M62. For anyone who enjoys the outdoors, Woodland Edge is a great choice, with beautiful green open space and countryside on your doorstep plus a wide variety of attractions and places of interest.

Shared ownershipGreen features

Points Cross

by Guinness Homes

Leeds, West Yorkshire, LS10 1JY

1, 2 & 3 bedroom apartments and 3 bedroom duplexes

Prices coming soon

Shared Ownerships in Leeds – Launching 2026 Shared Ownership at Points Cross brings you a collection of 1, 2 and 3‑bedroom apartments and 3‑bedroom duplexes in the heart of South Bank Leeds. This is an area where transformation meets heritage, where a growing community with high ambitions thrives beside the calm of the waterfront. With creativity, industriousness and unmistakable Leeds character all around, Points Cross feels both excitingly new and comfortingly familiar. This is more than a place to live. It’s a place to belong. 1 bedroom apartments from £221,700 to £277,000* 2 bedroom apartments from £302,600 to £318,200* 3 bedroom apartments from £424,600 to £436,700* *Indicative range of full market values at Points Cross, with typical shares available from 30%. Guinness Homes T&Cs apply. Prices correct December 2025. Shared Ownership - T&Cs apply. Subject to status and eligibility; min./max. shares apply and rent is payable on the unsold share. Service change and additional costs may apply. Guinness Homes is not authorised by the Financial Conduct Authority and cannot provide advice on mortgages and interest rates. Register your interest for the new release of homes in 2026.

Shared ownership

Newsam Rise

by Home Reach

Leeds, West Yorkshire, LS15 9AD

3 bedroom houses

From £179,975 for a 50% share
(From £359,950 Full Market Value)

This exciting new development at Skelton Gate is surrounded by the West Yorkshire countryside, close to the pretty River Aire yet only 6 miles from Leeds city centre. Our range of 2, 3 and 4 bedroom homes embrace contemporary design, while retaining classic architecture and traditional build quality. They include popular features such as open-plan living areas, stylish fitted kitchens, french doors and spacious master bedrooms with en suites. So, if you’re looking for an impressive new home in the Yorkshire countryside but within easy reach of Leeds, your search ends here! EPC rating : EPC rating - A Images are for illustrative purposes only. Please speak to Sales Adviser for full details **See the key information here Key Information about Shared Ownership

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: