Shared ownership houses for sale | What is shared ownership?

How does it work?

Eligibility

Staircasing

Considerations

Shared ownership houses

Shared ownership

Wireless Apartments

by Red Loft

Isleworth, Greater London, TW7 6YG

1 & 2 bedroom apartments

£34,750 - £47,500 for a 10% share
£105,000 - £143,250 for a 30% share
£347,500 - £477,500 Full Market Value

1 & 2-bedroom apartments for Shared Ownership in Isleworth. Viewings available now!Wireless Apartments boasts a collection of 17 bright & spacious apartments in Isleworth. Each apartment is finished to a high specification with fully fitted kitchens and private outside spaces. Selected apartments also offer additional luxuries including en-suites, additional balconies, and dual aspect views. Limited parking spaces are also available for purchase!View virtual tours here!1-bedroom - Wireless Factory Flat 332-bedroom - Wireless Factory Flat 22 Key Features - Choice of one and two-bed apartmentsShares from 30%Deposits from £5,213Fitted kitchens with integrated appliancesPrivate balconies or terraces to each apartmentEn-suites to selected 2-bedroom apartmentsStunning views from high floor apartmentsSelected dual aspect plotsQuick access into central London via the Elizabeth LineClose proximity to Twickenham, Richmond, Chiswick and Heathrow AirportSecure cycle storagePredicted Energy Assesment - B/CLimited parking spaces available for purchase Key Information1 Beds from:Tenure: Shared OwnershipFull Market Value: £347,500Available Shares from: 30%Share Value (initial purchase) from: £104,250 Rent (on unsold equity): £557 per monthService Charge from: £179 pcm 2 Beds from:Tenure: Shared OwnershipFull Market Value: £452,500Available Shares from: 30%Share Value (initial purchase) from: £135,750Rent (on unsold equity): £726 per monthService Charge from: £252 pcm Please note that higher shares may be available to purchase. The final share amount will be discussed and agreed upon during your financial assessment.Lease Length: 990 yearsCouncil Tax Band: TBCEPC Rating: TBC Development & LocationLocated in leafy Isleworth, these apartments provide excellent proximity to some of London's greatest hotspots - including Richmond Park, Twickenham Stadium, Kew Gardens, and Hampton Court. The Development is also extremely well connected, less than 1.5 miles from both Hounslow and Isleworth stations, connecting residents to the city, and beyond via the Elizabeth Line and National Rail. Along with great connectivity and green spaces, Wireless Apartments is also surrounded by excellent café's and restaurants, and abundance of shops and supermarkets, and great schools. EligibilityShared Ownership is designed to help first-time buyers and those who do not currently own a home get onto the property ladder.To be eligible, you must:Have a household income of under £90,000Be unable to purchase a suitable home on the open marketHave a good credit history and be able to obtain a mortgage Shared Ownership is a government-backed scheme that helps people get on the property ladder. You start by buying just a share of your home. You'll typically only need a 5% deposit of the share you purchase, making it more affordable to get started. Buying a smaller share also means it can be easier to secure a mortgage and take your first step onto the property ladder.You can buy more shares of your home at any time in the future, working towards owning your home outright.These contemporary apartments, with great connectivity, provide the perfect place to call home for first time buying singles, couples and families alike. Register your interest now to find out more! Practical completion expected September 2026 (subject to change).

Shared ownership

Vincent Wharf

by Imagine Living

Limehouse, Greater London, E14 7EG

2 bedroom apartments

£122,500 - £130,000 for a 25% share
(£490,000 - £520,000 Full Market Value)

Step onto the property ladder at Vincent Wharf. Modern 2-bed Shared Ownership homes with open-plan living, private outdoor space, and great links to Canary Wharf and the City. A place where your home sits beside the water in one of East London’s most characterful neighbourhoods. Thoughtfully designed two bedroom apartments combine modern interiors with a sense of space and light, creating a home that feels both peaceful and connected to the city around you. Exclusive Incentives: £3k incentive + 3 months’ service charge free (T&Cs) About the property: As you step through your front door, you are welcomed into a spacious open plan living, kitchen and dining area designed for both everyday comfort and entertaining. Large windows flood the space with natural light while sleek finishes and wood effect flooring create a warm modern feel. Your kitchen is fully fitted with integrated appliances, ready for everything from quiet weeknight dinners to hosting friends. Two generously sized bedrooms offer flexible living, perfect for a main bedroom retreat and a second bedroom for guests, a home office or a growing family. Soft carpeting underfoot adds comfort while the stylish bathroom provides a calm hotel inspired space to unwind. Step outside onto your private balcony or terrace and enjoy a moment of calm overlooking the water, your own outdoor escape in the heart of the city. About the development: Residents can enjoy a landscaped communal courtyard and a stunning roof terrace with views across the Limehouse Cut, ideal for relaxing after a long day. Secure cycle storage makes it easy to embrace an active lifestyle and explore the surrounding area. Local Transport: Vincent Wharf is exceptionally well connected. Westferry DLR Station is approximately a four minute walk from the development, offering fast links to Canary Wharf in around two minutes, Bank in approximately seven minutes and Stratford in around thirteen minutes. Limehouse Station is also within easy walking distance, providing National Rail services into Fenchurch Street. Regular bus services are available nearby, offering convenient routes to Canary Wharf, Mile End, West India Quay and the surrounding areas. For those travelling further afield, London City Airport can be reached in approximately fifteen minutes by car. Please note that images have been virtually staged.

Shared ownership

Artemis View

by Bovis Homes

Margate, Kent, CT9 4HW

3 bedroom houses and 3 bedroom townhouses

£153,000 - £168,750 for a 45% share
£340,000 - £375,000 Full Market Value

This exciting new homes development is on the edge of the historic Kent seaside resort of Margate in the district of Thanet, a town that combines traditional charm with contemporary culture. Artemis View benefits from an ideal location in Thanet, with many amenities on your doorstep like Westwood Cross Shopping centre, Thanet Parkway train station and a number of coastal towns - Margate, Broadstairs, Ramsgate and Manston.Our range of 2, 3 and 4 bedroom new build homes in Thanet embrace contemporary design, while retaining classic architecture and traditional build quality. They include popular features such as open-plan living areas, stylish fitted kitchens and spacious bedrooms with en suites.Considering Shared Ownership?This allows you to buy a share of your chosen home and pay a monthly rent on the remaining amount. Your dream of buying your first home could be a made a reality - find out more here.So, if you're looking for a quality new home in a Kentish seaside t...

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: