Shared ownership houses for sale | What is shared ownership?

How does it work?

Eligibility

Staircasing

Considerations

Shared ownership houses

Available now!

The Woodlands at Halsnead Garden Village

by Your Housing Group

Whiston, Merseyside, L35 3PW

2, 3 & 4 bedroom houses

£92,000 - £138,000 for a 40% share
£230,000 - £345,000 Full Market Value

Discover your dream home at The Woodlands, our latest development of 158 affordable new homes in the newly created Halsnead Garden Village. At The Woodlands, you will find a perfect blend of two, three and four-bedroom family homes and one-bedroom apartments. Homes at this exciting new development are available through shared ownership and affordable rent. The Woodlands at Halsnead Garden Village is ideal for first time buyers and growing families. Show home now open! Register your interest today to secure your dream home in this sought after location.

Shared ownership

85% sold - Final release now available

The Hue

by Fabrica

Hounslow, Greater London, TW3 3NR

2 bedroom apartments

From £147,500 for a 35% share
(From £421,428 Full Market Value)

85% sold now. Don’t miss out on the vibrant collection of 2-bed apartments at The Hue, available for Shared Ownership, located in the heart of Hounslow. Every home at The Hue is a thoughtfully designed 2-bedroom Shared Ownership apartment, featuring a bright open-plan kitchen, living and dining area that’s perfect for modern living. Each apartment benefits from underfloor heating throughout, Hyperoptic broadband availability, and a private balcony for your own outdoor space. The master bedroom comes complete with a fitted wardrobe and stylish en-suite, while higher floor apartments enjoy striking skyline views. With contemporary finishes and smart layouts, these homes balance comfort, style and convenience in every detail. Well Connected* Hounslow is ideal for commuters and culture lovers alike. The Hue offers excellent links to Central London while being surrounded by independent shops, cafés and restaurants.Hounslow Central Station - 6 min walk (Picadilly line)Hounslow Train Station - 11 min walk (South Western Railway)Heathrow Airport - 16 mins by TubeLondon Waterloo - 35 mins by trainPicadilly Circus - 38 mins by Tube Explore the green spaces & landmarks in the area Discover historic estates like Osterley Park and Syon Park, or unwind in the vast landscapes of Bushy Park, home to waterways, gardens and roaming deer. The area also offers Hounslow Heath and 10 local nature reserves, with the world-renowned Kew Gardens just a short journey away. Register your interest to find out more. *All times and distances have been taken from Google Maps All imagery is indicative only.

Shared ownership

Ingrams Farm

by Southern Housing New Homes

Ninfield, East Sussex, TN33 9FH

2 bedroom houses and 3 bedroom bungalows

£81,875 - £117,125 for a 25% share
£327,500 - £468,500 Full Market Value

FINAL HOMES REMAININGReserve one of the final two homes and receive a £4k deposit contribution* - Book your viewing today! In order to book your appointment, please complete a free initial financial assessment with our Mortgage Broker - Clarke Marshall - Don't worry this won't affect your credit score! Introducing Ingrams Farm, an exclusive new development offering a selection of 2, 3, and 4 bedroom homes with Shared Ownership in East Sussex, in the picturesque village of Ninfield. Benefits of living at Ingrams Farm Diverse home optionsAllocated parking Energy efficient homes Private outdoor spaces to each home High-quality specification. Ingrams Farm has been shortlisted for 'Best First Time Buyer Family Home' at the First Time Buyer Readers' Awards 2026. Homes at Ingrams Farm combine contemporary style with family-friendly design, offering spacious, open living areas perfect for modern life. Each home includes a private garden and dedicated parking, with thoughtfully designed interiors that balance comfort and quality. From first homes to larger family houses, there's something to suit every stage of life - all centred around a welcoming community with a dedicated children's play area. Shared Ownership What are the benefits?Low deposit - you only pay from 5% of the share you are buying.Flexibility - you choose when you want to purchase extra share of your home.Accessibility - Shared Ownership helps you get a mortgage even with a lower salary.Lower costs - Monthly costs can work our cheaper than renting privately. To be eligible for Shared Ownership:Your household income must be no more than £80,000.You cannot own another property at the time of completing your purchase. You must have an offer on your current property to be able to reserve a new home.You must be over 18 years of age and able to obtain a mortgage. You can read our buying guides for more information or listen to our podcast for on the go learning!Book your viewing today!*£4,000 deposit contribution incentive is available to those who reserve one of the two final homes by 15th July 2026. The £4,000 will be a deduction from the final balance due to Southern Housing upon completion. Buyers must exchange within 28 days of Memorandum of Sale and complete within 10 days of exchange. Offer can be withdrawn at any time and is not available in conjunction with any other offer. Buyers are only entitled to one incentive with their purchase.

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: