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Shared ownership houses

The Willows at Stortford Fields

by Red Loft

Bishops Stortford, Hertfordshire, CM23 0BL

1 & 2 bedroom apartments

£87,500 - £112,000 for a 35% share
(£250,000 - £320,000 Full Market Value)

Ready to move straight into – don’t miss our upcoming viewing day on Saturday 6th June! A collection of 9 one & two-bedroom Shared Ownership apartments are now available in Bishop's Stortford! Register your interest to find out how to arrange a viewing. • Parking available to all properties • Fantastic location • Fitted Symphony kitchens with integrated appliances - extractor, hob & oven, fridge-freezer, washing machine and slimline dishwasher • Fitted carpets to bedrooms • Private balcony/terrace • 990-year lease • Predicted Energy Rating: B • Shares available from 35% Location Bishop's Stortford is a market town with a long history that is still thriving in the 21st century. It's great for shopping, from traditional stalls to a modern mall. There’s an impressive arts complex offering live theatre, dance, cinema and a museum of local history. You’ll have a good choice of schools and excellent medical facilities, including a local hospital. The town is surrounded by beautiful countryside. A stroll through the ancient royal hunting grounds of Hatfield Forest is the perfect way to relax and unwind after a hard week at work. The whole of East Anglia is waiting to be discovered. One weekend you could be wandering around the historic colleges of Cambridge, while the next you could be cheering on a winner in the three thirty at Newmarket. Ely, with its famous cathedral, and the charming olde worlde town of Bury St Edmunds are also within reach. The air museum at Duxford is a quick drive up the motorway. Then, when you fancy a night on the town, the bright lights of London are waiting. From Bishop’s Stortford station, you can be in London Liverpool Street in under 50 minutes and there are excellent rail links to Colchester, Cambridge, Norwich and King’s Lynn. There are also frequent bus and coach services. As well as connecting you to London, the nearby M11 joins you to the M25 and national motorway network. And, of course, there’s an airport on hand for when you wish to travel further afield. Though, maybe best of all, is an afternoon on your bike riding the towpath of the River Stort.
Shared ownership

Vale Croft Woods

by Aster Homes

Farnborough, Hampshire, GU11 2HX

2 bedroom apartments

£116,000 for a 40% share
£290,000 Full Market Value

New homes available for shared ownership sale now! Don't miss out!Shared ownership in Farnborough, HampshireNew one and two bed homes just launched at the Vale Croft Woods development, Farnborough, Hampshire.Have you been waiting for your opportunity to live in peaceful Farnborough, Hampshire? Our latest development, Vale Croft Woods, boasts the perfect combination of country living, whilst still being able to commute into local towns and cities.Farnborough offers an exciting blend of a thriving community and beautiful surroundings, making it an exceptional choice for individuals and families.Where is Vale Croft Woods, FarnboroughFarnborough, located in the northeast corner of Hampshire, is a well-connected town that blends suburban tranquillity with excellent transport links, making it a prime location for homebuyers.Situated just 35 miles southwest of London, Farnborough offers direct train services to the capital in under 40 minutes, perfect for commuters seeking a quieter pace of life without sacrificing convenience.The town is also close to major road networks, including the M3 and A331, making travel across the South East seamless.Renowned for its aviation history, green open spaces like Queen Elizabeth Park, and thriving local amenities, Farnborough combines heritage with modern living.With excellent schools, nearby shopping centres, and ongoing regeneration projects, Farnborough is an increasingly popular choice for those looking to put down roots in Hampshire.For buyers interested in more accessible routes onto the property ladder, shared ownership homes in Farnborough offer a flexible, affordable way to own a modern home in this desirable location.What to do in Farnborough?Farnborough offers a range of ways to keep busy, unwind, stay fit or enjoy fun-filled family days out. Furthermore, there are plenty of close amenities, making those everyday tasks much easier!A range of supermarkets within walking distancePost office and pharmacy under a 5-minute driveWellington centre is under 10 minutes awayExcellent selection of pubs and restaurantsThe Garrison Sports Centre offers a wide range of indoor and outdoor facilities. PureGym and the Village Gym are withing easy reach.An array of golf courses close by, including, Army Golf Club, Phillips Hole, or Golf at Frimley Lodge.Exciting family days out at Thorpe Park or Legoland Windsor are easily accessible from Vale Croft Woods. Amenities near byBy car:Junction 4 of the M3 motorway is just 10 minutes away for journeys to Southampton (1 hour), Winchester (45 minutes), Basingstoke (26 minutes) and Central London (1 hour and 18 minutes).By train:Farnborough Main station (8-minute drive)Destinations:  Woking (13 minutes), Basingstoke (19 minutes), Clapham Junction (34 minutes) and London Waterloo (37 minutes).Aldershot railway station (10 minute drive)Destinations: Guildford (17 minutes) and Reading (50 minutes).By plane:Heathrow Airport is 33 minutes away via the M3.Gatwick 54 minutes via the M25. Shared ownership - get the keys to your new homeYou might not know about shared ownership, but it could be just the solution you've been looking for if you want to get a foot on the property ladder. You buy an affordable share, pay rent on the remaining amount, and increase your shares as your finances permit, this is called Staircasing. It allows you to get on the property ladder much more easily than buying outright. You can find out more about how shared ownership works  or talk to Hope to have all your questions answered - there's no such thing as a silly one! Make an Aster house your homeOur aim at Aster is to find you a home, not just a house - and with our fabulous shared ownership approach, you can find a home in a lovely location that may otherwise be out of your reach. Just get in touch!So, if you're ready to find out more about our stunning shared ownership homes at Vale Croft Woods, Farnborough  get in touch with Hope today!  Finding your dream home is easy with Aster, we also have shared ownership properties available across locations in Hampshire. Take a look at our shared ownership Hampshire homes to see if they suit you.*While we endeavour to make our property descriptions and plans fair, accurate and reliable, they are only a general guide to the property and may be subject to change. Accordingly, if there is any point which is of particular importance to you, please contact the office and we will be pleased to check the position for you, especially if you are contemplating travelling some distance to view the property. Shared ownership homes are bought as leasehold properties, for more information speak to our team. Service charges and rent payable on the unsold equity of this property will be reviewed annually with any changes coming into effect on the 1st April each year. Your home may be at risk of repossession if you don't maintain your mortgage and rental payments. Please note that photographs are not plot specific - speak to our team for more information.
Shared ownership

Edwalton Fields

by Frank Innes

Nottingham, Nottinghamshire, NG12 4LR

3 bedroom houses

From £77,500 for a 25% share
(From £310,000 Full Market Value)

Moving Made Easier, this plot comes with £2,000 towards your legal costs* Located on the outskirts of Nottingham, Edwalton Fields offers the perfect blend of suburban tranquillity and urban convenience. Just under six miles from Nottingham city centre, Edwalton combines modern living with excellent transport links across the East Midlands. Edwalton Fields is more than just a place to live, it’s a vibrant, growing community. Families benefit from nearby schools, while local shops, cafes and essential amenities are right on your doorstep. The area has become a sought-after location for those looking to enjoy a high quality of life within reach of the city. Shared Ownership is a fantastic option if you want to get onto the property ladder but can’t afford to buy a home outright on the open market. It helps reduce the pressure of saving for a large deposit and keeps monthly costs more manageable by lowering mortgage repayments. With Shared Ownership, you purchase a percentage of a home—typically up to 75%—and pay an affordable rent on the remaining share. When you’re ready, you can also buy additional shares over time, a process known as staircasing.Shares are available from 10% to 75%. Contact us to discuss Shared Ownership in more detail. A monthly service charge will also apply of £55.96. This includes building insurance, ground maintenance and the management charge *Incentive T&Cs. The £2,000 towards moving costs will be deducted off the final completion statement and cannot be given as a cash substitute. This offer is valid only on reservations made on plots that are actively advertised as part of our Moving Made Easier campaign. Our offer has no fixed end date, and we reserve the right to amend, withdraw, or remove the offer and/or any included plots from our listings at any time without prior notice.
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: