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Shared ownership houses

Cable Wharf

by Love Living Homes

Northfleet, Kent, DA11 9GA

1 & 2 bedroom apartments

for a 25% share
( Full Market Value)

Life by the water. History beneath your feet. London within reach. Welcome to the final release of 1 & 2 bedroom apartments at Cable Wharf — a striking riverside development in Northfleet, where heritage and contemporary living meet. Once home to the 1865 Transatlantic Telegraph Cable works, this iconic Thames-side setting has been thoughtfully reimagined into a collection of beautifully designed homes. Framed by dramatic chalk cliffs and sweeping river views, Cable Wharf offers a rare blend of tranquillity and connection. Enjoy modern interiors with high-quality finishes, a landscaped roof garden overlooking the Thames, and the confidence of an established neighbourhood. And when the city calls? London St Pancras is just 23 minutes away — making this a truly exceptional commuter location. Available through Shared Ownership with Love Living Homes, with ownership from just 25%, your move onto the property ladder could be closer than you think. Your riverside chapter starts here. 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 ownership

Langley Park

by Taylors Estate Agents

Chippenham, Wiltshire, SN15 1GS

1 & 2 bedroom apartments and 3 & 4 bedroom houses

£74,000 - £182,000 for a 40% share
(£185,000 - £455,000 Full Market Value)

Langley Park presents the most centrally located new home development in Chippenham, 1 & 2 bed apartments, 2, 3 & 4 bed houses available, offering unparalleled convenience just a 3-minute walk from the train station. This prime position ensures effortless commutes, with Bath Spa only 15 minutes away and Bristol Temple Meads reachable in just 30 minutes. Chippenham is an ideal family destination, offering both immediate advantages and long-term benefits. Its vibrant high street and nearby retail parks provide a diverse array of supermarkets, popular high street brands, and unique independent shops and cafes. The area also benefits from excellent access to high performing local schools:- Ivy Lane Primary, Monkton Park Primary, Redland Primary, all rated Good by Ofsted, within a mile. Secondary education covered by Hardenhuish School, Abbeyfield School & Sixth Form, Sheldon School — all Good rated and less than ~1.5 miles away. Further education options via Wiltshire College & University Centre, just ~0.3 miles from your doorstep. Green spaces and parks are close by:- Just a few minutes’ walk to John Coles Park and Monkton Park—perfect for morning jogs, leisurely walks, or letting children run free. *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.
Shared ownership

St Gregory's

by Dixons

Redditch, Worcestershire, B98 0JL

3 bedroom houses

£127,000 - £136,000 for a 40% share
(£317,500 - £340,000 Full Market Value)

Welcome to St Gregory's, an exclusive collection of contemporary three bedroom homes available through Shared Ownership with Green Square Accord. This attractive development offers an affordable route onto the property ladder, allowing purchasers to buy an initial share between 10% and 75% and pay a rent on the remaining share. Buyers have the opportunity to staircase to 100% ownership in the future, at which point the property will become freehold. Price example: Plot 12 (House Type B) Share price based on 40% Full market value - £317,500 Share price - £127,000 Rent per month (inclusive of service charges) £460.88 Lease term 990 years Minimum deposit required £6,350 These spacious family homes have been thoughtfully designed to provide modern living accommodation across two floors, combining energy efficient features with practical family living. Each home benefits from a fitted kitchen complete with oven, hob and extractor hood, gas central heating, contemporary white bathroom suite with shower over the bath, solar panels, EV charging point and a fully turfed rear garden. Externally, every property enjoys a private rear garden together with two allocated parking spaces. This well-proportioned home offers two floors of flexible living accommodation, perfectly suited to modern family life. The ground floor comprises a welcoming entrance hall with convenient downstairs cloakroom/WC, separate fitted kitchen and a generous open plan lounge/dining room spanning the full width of the property. The bright and spacious living area provides ample space for both relaxing and dining, with French doors opening directly onto the rear garden, creating an ideal space for entertaining and family living. To the first floor, the landing provides access to three bedrooms and the family bathroom. The principal bedroom is a spacious double room overlooking the front of the property, whilst bedroom two offers a further generous double bedroom. Bedroom three provides an ideal nursery, child's bedroom, dressing room or home office. The modern family bathroom is centrally located and fitted with a contemporary white suite with shower over bath. Outside, the property benefits from a private rear garden and two allocated parking spaces. Location: Perfectly positioned within the established residential area of Winyates, Redditch, St Gregory's offers the ideal balance of modern family living and everyday convenience. The development is surrounded by a wealth of local amenities, highly regarded schools, green open spaces and excellent transport connections, making it particularly appealing to first-time buyers and growing families. Residents benefit from a range of nearby shops, supermarkets, takeaways, community facilities and services within Winyates itself, while Redditch Town Centre is just a short drive away, offering a comprehensive selection of retail, leisure and dining options, including the popular Kingfisher Shopping Centre, home to over 150 shops, restaurants and entertainment venues. For families, the area is well-served by a number of respected schools, including Tenacres First School, Roman Way First School, Ipsley C of E Middle School and Arrow Vale High School, providing education options for children of all ages. Agents note: an AML fee is chargeable to the buyer once an offer is accepted to cover the cost of carrying out the required identity and anti-money laundering checks. Once these checks have been completed, the fee cannot be refunded, even if the property purchase does not go ahead·
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: