Shared ownership houses for sale | What is shared ownership?

How does it work?

Eligibility

Staircasing

Considerations

Shared ownership houses

Shared ownership

So Resi Finchampstead

by SO Resi

Finchampstead, Berkshire, RG40 4BY

1 bedroom apartments, 3 bedroom houses and 2 bedroom coach houses

£67,500 - £80,000 for a 25% share
£186,375 - £191,625 for a 35% share
£270,000 - £547,500 Full Market Value

Discover our Shared Ownership homes for sale in Finchampstead Nestled in the leafy town of Wokingham, SO Resi Finchampstead offers exceptional two and three bedroom houses available through Shared Ownership. The local area seamlessly blends countryside charm with modern living with over 140 acres of woods and grassland for scenic walks right on your doorstop. There is even an ancient Roman road nearby, nicknamed "The Devil's Highway". The location and size of these properties makes them ideal for professional couples and young families. Commuters can easily travel to Central London and neighbouring towns via the Wokingham and Crowthorne stations. There are also several local schools nearby. Our properties in Finchampstead We've designed these two and three bedroom houses with contemporary style, daily comfort and sustainability in mind. Each home features an open plan fitted kitchen with integrated appliances and a spacious private garden, where you can enjoy family time or a quiet morning coffee. Each bedroom is carpeted and has a fitted wardrobe for easy storage. Select homes also have a private driveway or an allocated parking space, with electric vehicle charging options available. Ready to continue your homeownership journey? Explore our FAQ page or contact us with your queries today. Benefit from Shared Ownership prices Our homes in Finchampstead are available through our Shared Ownership scheme, which means you could buy one with a deposit as low as 5% of the market value. Find out more about affordable housing through Shared Ownership with SO Resi today. Please note priority will be given to customers who live and work in the borough of Wokingham. Key features Spacious open plan layouts Soft, carpeted bedrooms designed for comfort and relaxation Kardean flooring designed for both style and practicality Fully integrated Bosch kitchen appliances Some homes with private driveways Private balcony or terrace to selected apartments Private allocated parking with EV charging spaces Location Why choose Shared Ownership in Finchampstead? Finchampstead transport links Wokingham boasts excellent transport connections, making it a commuter-friendly hub. The town lies on the Southwestern Railway line, which offers regular services to London Waterloo, Reading and Gatwick Airport. By road, it's conveniently positioned near the A329(M) and M4, providing swift access to the M3, Heathrow Airport and beyond. Local community and culture Wokingham is an ever growing cultural hub, hosting local festivals and art initiatives, including the Mindset Unlimited Wellbeing Festival in Elms Field and the Wokingham Festival in Cantley Park. Dinton Pastures Country Park also hosts community events, including live concerts and weekend food festivals. Eat out or in Wokingham has dining options all over town, from cosy pubs to fusion restaurants. You can enjoy relaxed all day dining at the Sedero Lounge, or savour authentic Thai cuisine at Pad Thai - the Red Lion or grab a quick bite at It's Pizza Wokingham. If you prefer a light bite with a coffee, Sultan's Cafe is also right in the heart of town. Lush green spaces Between Dinton Pastures Country Park and California Country Park, Wokingham locals are spoiled for choice. Both areas are perfect for dog walking, wildlife spotting and family outings. The wider borough also boasts over 100 Local Wildlife Sites, including Winnersh Meadows and Woosehill Meadows, celebrated for their biodiversity and natural beauty. Excellent educational facilities Wokingham offers a diverse range of schools to accommodate children of all ages, from Walter Infant School and Nursery to The Forest Secondary School. Odyssey House School proudly provides a supportive education environment for the neurodiverse pupils. Meanwhile, Reddam House Berkshire offers private education from nursery through to sixth form.

Shared ownership

Homes ready to move into!

Levett View

by Orbit Homes

Hastings, East Sussex, TN37 7PR

2, 3 & 4 bedroom houses

£82,500 - £110,000 for a 25% share
£330,000 - £440,000 Full Market Value

Contact us today to book an appointment to visit our Sales Office, Holt Show Home & Dallington View Home. Orbit Homes are excited to introduce Levett View, a new development of Shared Ownership homes in the seaside town of St Leonards-on-Sea. There will be 70 homes for sale, consisting of 2, 3 and 4 bedroom houses.. All the essentials can be found right on your doorstep, from a post office to supermarket, homeware store and a number of schools. If you like to keep active, the sports centre is just a 15 minute walk away. Situated just minutes from Hastings town centre and beach, there is no shortage of ways to stay entertained. Along the coastal front from St Leonards to Hastings, there is an abundance of independent stores, galleries and characterful seafront cafes and restaurants. Hastings is steeped in medieval history, with the castle ruins sitting high above the bustling town. Reach the top of the cliff via the traditional wooden Victorian coaches, offering uninterrupted views stretching from Beachy Head across the Channel. From here, explore ancient woodland glens with their unique biodiversity and rugged coastal paths at Hastings Country Park.

Shared ownershipGreen features

Argenta

by Guinness Homes

Silvertown, Greater London, E16 2QD

1 & 2 bedroom apartments

£97,500 - £138,750 for a 25% share
£390,000 - £555,000 Full Market Value

End of Summer Incentive: £3,000 deposit contribution for reservations before 31st Oct*1 & 2 bedroom apartments in the Royal Docks just one stop from Canning Town. Argenta brings the first Shared Ownership apartments to Silvertown, where East London's pioneering heritage blends with its bright future in a new community. Book your show home viewing today, and reserve from just £99 with incentives available on select plots.Ready to Move in Now!From 25% Share with Deposits from 5%£99 reservation feeMinimum share initially available: 25%Maximum share initially available: 75%Staircasing to 100% allowableTenure: LeaseholdLease term: 990 yearsCouncil Tax: TBC Please note: A financial advisor or mortgage broker can confirm if you can afford less than the advertised share (still between 25-75%) then we can approve your Shared Ownership recommended share, provided you meet other eligibility requirements. Historic TransformationSilvertown is set to become an iconic East London neighbourhood, blending industrial heritage with modern living. The new neighbourhood will feature shops, restaurants, leisure facilities, bars, and cafes, creating a lively hub centred around the dock and Grade II listed Silo D. In partnership with Lendlease, Guinness Homes will offer 430 homes, including one, two, and three-bedroom options over the course of several phases. These homes will be situated in the heart of the Royal Docks, spanning 50 acres. The historic transformation includes the restoration of Millennium Mills, 1.8 million sqft of business workspace, new homes, and spaces for cultural and community events. Convenient CommutesSilvertown is exceptionally well-connected. The new Silvertown Tunnel, which opened in April 2025, links Silvertown to the Greenwich Peninsula and The O2 Arena, reducing congestion and enabling faster cross-river journeys. Additionally, the area is served by multiple bus routes, the Docklands Light Railway (DLR) from Pontoon Dock and the Elizabeth Line from Custom House, providing access to central London and beyond. Enquire today for Shared OwnershipOur Shared Ownership homes offer an alternative route onto the property ladder. These homes boast spacious layouts, high specifications, fully integrated appliances, and private balconies. Residents will enjoy a wide range of amenities nearby at Thames Barrier Park, Royal Wharf & Canning Town. *Incentives available on select plots (B-01-01, B-03-04, B-05-08) for qualifying new reservations received between 6th October and 31st October 2026, exchanging within 6-weeks and completing within the timescales set by Guinness Homes. This offer is subject to availability and is not in conjunction with any other offer or scheme that Guinness Homes may advertise. Deposit contribution will be payable upon completion. No cash alternative. Offers may be removed or changed at any time. Terms & Conditions apply. Speak to your sales team for more information.This development is car-free, meaning residents cannot apply for parking permits or use street parking nearby unless they purchase a home with a designated parking space. This policy complies with Local Authority planning conditions and cannot be changed by Guinness. Speak to a Sales Consultant for more information.

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: