Shared ownership houses for sale | What is shared ownership?

How does it work?

Eligibility

Staircasing

Considerations

Shared ownership houses

Shared ownership

Park View

by Blenheim Estate

Woodstock, Oxfordshire, OX20 1GB

1 & 2 bedroom apartments and 2 bedroom coach houses

£112,000 - £152,000 for a 40% share
(£280,000 - £380,000 Full Market Value)

Park View is an award-winning development built by Pye Homes on the edge of the historic town of Woodstock. Combining beautifully designed, energy-efficient homes with excellent access to local amenities, Blenheim Palace and Oxford. Park View offers a unique opportunity to enjoy modern living in one of Oxfordshire's most desirable locations. Shared Ownership homes are available, providing an affordable route into home ownership. Reserve and move in before Christmas and you'll also receive a moving package worth up to £6,500*, which could include: • Flooring throughout. • Payment of the first years’ service charge • A £500 John Lewis voucher • A Blenheim Christmas tree *Offer applies to reservations made and moves completed before Christmas. Terms & Conditions apply. Incentives of up to £6,500 available on selected plots for customers who reserve and move into their new home before Christmas. Terms & Conditions: • This offer is available on selected plots only. The value of the incentive is up to £6,500, depending on the plot and the share purchased. • Contracts must be exchanged within six weeks of reservation. • The offer applies exclusively to homes completing in 2026. • The incentive includes fitted flooring throughout the property. The flooring specification is Apollo Plus Carpet in Manhattan Taupe. • No cash alternative is available. • The offer is subject to the purchaser's mortgage lender accepting a builder's incentive. • The offer cannot be combined with any other promotion unless agreed in writing. • The offer is non-transferable and may be withdrawn or amended prior to exchange of contracts. • For more information, please speak with our property team.

Shared ownership

Redwing Court

by Bairstow Eves

Hendon, Greater London, NW9 6GU

1 & 2 bedroom apartments

From £88,125 for a 25% share
(From £352,500 Full Market Value)

Square Roots Hendon is setting new standards in Shared Ownership. Stylish developments with a high quality finish and specification with communal gardens and roof terraces. Square Roots Hendon comes with exceptional customer care giving you peace of mind after you have moved in. Square Roots Hendon is a development of 236 Shared Ownership apartments within 4 separate blocks, creating a community within a community all within a short walk of Hendon Thameslink Station, allowing fast access into London and beyond. A selection of 1 & 2 bedroom spacious apartments are available in Redwing Court, the first phase to be released. Designed with modern living in mind, the apartments are spacious with lots of natural light and all come with private balconies or patios. Ready to move into, please contact us to make an appointment.

Shared ownership

Up to £1,000 cashback when you reserve this Christmas!

ParkSide

by NHG Homes

Southwark, Greater London, SE17 2LZ

1 & 2 bedroom apartments

£107,500 - £600,000

Show Homes now open Visit brand new homes at ParkSide - one and two-bedroom apartments for sale and shared ownership in Southwark. Buy with shared ownership from £107,500 for a 25% minimum share. 10% mortgage deposits from £10,750* Buy outright from £435,000. Discover ParkSide, an exciting new neighbourhood in the heart of Southwark, offering a rare opportunity to own a brand-new home in one of inner London's most exciting regeneration areas. Created in partnership by Notting Hill Genesis and Southwark Borough Council, ParkSide combines contemporary homes with beautifully landscaped public spaces, creating a vibrant new community beside Burgess Park. Every home has been thoughtfully designed for modern living, featuring bright open-plan layouts, private outdoor space and a high-quality specification throughout. Kitchens include integrated appliances, stone composite worktops and contemporary finishes, while underfloor heating and Amtico flooring come as standard, meaning there's no need to budget for costly upgrades after moving in. Residents will enjoy the best of both worlds, with Burgess Park's extensive green space on the doorstep and easy access to the established neighbourhoods of Bermondsey, Camberwell and Elephant & Castle, offering an excellent choice of cafés, restaurants, independent shops and transport connections across London. Buying at ParkSide with Shared Ownership provides an affordable route into home ownership, allowing you to purchase an initial share of your home with a smaller deposit than buying outright, while paying a subsidised rent on the remaining share and having the flexibility to increase your ownership over time. Sign up for updates about the Your First Home scheme coming in 2027. *Based on purchasing a 25% share of a one-bedroom apartment with a full market value of £430,000.

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:

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: