Shared ownership houses for sale | What is shared ownership?

How does it work?

Eligibility

Staircasing

Considerations

Shared ownership houses

Exclusive offers available*

L&Q at Darwin Green

by L&Q

Cambridge, Cambridgeshire, CB3 0YJ

2 bedroom apartments and 2 & 3 bedroom houses

£95,000 - £140,000 for a 25% share
£127,500 for a 30% share
£190,000 - £280,000 for a 50% share
£285,000 - £420,000 for a 75% share
£380,000 - £560,000 Full Market Value

Reserve a selected Shared Ownership home between the 13th July to 12th September for £99 and receive a £2,000 TUI Holiday voucher* Prices start from:- £95,000 for a 25% share of a 2 bedroom apartment*- £127,500 for a 30% share of a 2 bedroom home*- £157,500 for a 30% share of a 3 bedroom house* All of our homes are ready to move into now and are covered by a 12 year NHBC warranty and inclusive of a 2 year L&Q New Homes warranty.About the DevelopmentDarwin Green is a whole new community that will provide residents with essential services such as schools, shops and health care all situated in a central square, where you'll be able to stroll to The Square for your daily needs. And for the essential fresh air or dog walks, Darwin Green's Central Parks offers 15 acres of open space to be enjoyed. With 80 miles of designated lanes and routes, a quarter of all journeys to work in the city are now made on two wheels. Whether its cycling to work, university or the station getting around Cambridge on bike couldn't be simpler.The journey to the station itself takes 15 minutes* by bicycle! The commute to London can be achieved in just over an hour following a 50 minute* train journey to London Kings Cross.Register your InterestTo be kept up to date with any news about this new development and further information on our available homes.Please note all applicants are required to register with L&Q for Shared Ownership.*CGIs are representative of the development. Images used are of a typical L&Q show home.L&Q terms and conditions apply. *Incentive terms and conditions apply. Offer is available on selected Shared Ownership properties. Incentive amount is based on the property type and development. For full terms and conditions visit lqhomes.com/terms-and-conditions. Shared Ownership terms and conditions apply. Prices start from £95,000 for a 30% share of a 2 bedroom apartment at L&Q at Darwin Green. Full market value of £380,000. Please visit lqhomes.com/shared-ownership for more information. Times obtained from Google Maps.

Shared ownership

Dracan Village at Drakelow Park

by Sage Homes

Drakelow, Derbyshire, DE15 9UA

2 & 4 bedroom houses

£86,000 - £148,000 for a 40% share
£215,000 - £370,000 Full Market Value

Sage homes at Dracan Village at Drakelow Park, this launch introduces a selection of 2, 3 and 4‑bedroom houses delivered by Sage Homes. Set within an emerging new neighbourhood, these homes form part of a wider masterplan featuring green corridors, water elements, woodland, a future primary school, play spaces and broader investment in local infrastructure, creating a connected, walkable and family‑focused environment. Just south of Burton upon Trent, Dracan Village offers everyday convenience, strong transport links and plenty of open space. With thoughtfully designed routes, lakes and landscaped areas shaping a calm setting, this location blends accessibility with a semi‑rural feel. Register your interest to be among the first to hear when these 3 and 4‑bedroom homes become available.

Shared ownership

2 & 3-bedroom houses just launched!

The Aviary Shared Ownership

by Peabody New Homes

Oxford, Oxfordshire, OX4 6DU

2 & 3 bedroom houses

£114,900 - £139,500 for a 30% share
(£383,000 - £465,000 Full Market Value)

Modern living in a peaceful, well-connected setting at The Aviary | Final homes remaining | Reserve your dream home at The Aviary before the end of June and get up to £1,500 towards your legal costs!*The Aviary offers a collection of 2-bedroom houses available through Shared Ownership in Oxford. Built with you in mind, our homes cater to modern living with high-spec finishes, fully integrated Zanussi appliances, private parking*, private gardens & more.So, whether you’re taking the exciting step of buying your very first home, or expanding your family and need extra space, we’ve got the ideal solution for you.Less than 5 miles away, you’ll find the historic city of Oxford which boasts a wealth of shopping, dining, entertainment and educational opportunities.*Limited parking spaces available on selected homes.*Images are computer generated and indicative of a typical Peabody New Homes show home.*Travel timings are taken from Google Maps.*Images are computer generated and indicative of a typical Peabody New Homes show home.*Travel timings are taken from Google Maps.*£1,500 towards legal costs is available on the remaining 2-bedroom homes at The Aviary. The maximum available incentive is £1,500. The incentive value is a £1,500 deduction upon completion of contracts. Offer per individual household/home sold and cannot be used in conjunction with any other offer. Additional T&Cs, eligibility and affordability criteria may apply. Please speak to a member of our sales team for more details or visit peabodynewhomes.co.uk/offers/. Offer valid on reservations taken from 16 April 2026 - 30 June 2026. Prices and details correct from April 2026.

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: