Shared ownership houses for sale | What is shared ownership?

How does it work?

Eligibility

Staircasing

Considerations

Shared ownership houses

Ready to move in

Prime Point, Shared Ownership

by L&Q

Greenwich, Greater London, SE10 0JT

Studio, 1 & 2 bedroom apartments

£86,000 - £136,000 for a 25% share
£344,000 - £544,000 Full Market Value

Reserve a selected Shared Ownership home between the 3rd - 31st May and receive £1,000 towards your buying costs*Prime Point, Greenwich PeninsulaA brand new collection of Manhattan Studios, 1 & 2 bedroom Shared Ownership homes designed for modern London living.Prices from £86,000 for a 25% share of £344,000, with a minimum deposit of £8,600.Each home offers private outdoor space, fully integrated appliances and concierge access. Located just an 8-minute walk from North Greenwich Underground Station, Prime Point places the best of London right at your doorstep.Enjoy a sanctuary by the river in a Zone 2/3 location that brings the city's brightest experiences closer than ever.Book a viewing today: lqhomes.com/primepointKey features:Concierge availablePrivate outdoor space to all homesFully integrated appliancesLandscaped communal gardens and bright open spacesOverlooking the beautiful Central Park8 minute walk to North Greenwich Underground Station, Zone 2/3Only 9 minutes to Canary Wharf via the undergroundWith the IFS Cloud Cable Car nearby, Greenwich Peninsula provides a unique and scenic mode of transportGreenwich Park, an iconic landmark, is just an 8-minute cycle awayWith The O2 arena right at your doorstep, London's iconic live music venue, you'll enjoy convenient access to numerous shops, cafes, bars, and restaurants nestled within What is Shared Ownership?Shared Ownership is for anyone who doesn't currently own a home. If you want to get on the property ladder, but can't afford to buy outright on the open market, then Shared Ownership could be for you. Under the Shared Ownership scheme you part-buy/part-rent your home, making it possible for first-time buyers and families to get on the property ladder.The minimum share you can purchase is 25% and the maximum is 75%. You will usually pay a mortgage on the part you own and a subsidised rent on the part you don't own. As your income rises, you can increase the share you own until you eventually own 100%.Book your viewing today! L&Q terms and conditions apply. *Incentive terms and conditions apply. For full terms and conditions visit lqhomes.com/terms-and-conditions. Shared Ownership terms and conditions apply. Prices start from £86,000 for a 25% share of a Manhattan Studio apartment at Prime Point. Full market value of £344,000. Please visit lqhomes.com/shared-ownership for more information.

Shared ownership

Woodside Meadows

by Manners & Harrison

Hartlepool, County Durham, TS25 1DF

3 & 4 bedroom houses

From £52,500 for a 30% share
(From £175,000 Full Market Value)

Seaton Meadows development is just a couple of miles from the coastal village of Seaton Carew. With great transport links, local amenities, attractions and outdoor spaces, this is an ideal place to invest in your future. The Amber The Amber is a spaciously-designed, semi-detached, three-bedroom family home. Built to a high-quality standard, this property boasts charming designs and modern décor along with energy efficiency throughout. On the ground floor, The Amber consists of a large, open-plan kitchen-diner with sizeable patio doors leading to the private rear garden. In addition, a convenient ground floor w/c accompanies a generously-sized lounge area. The first floor comprises a main bedroom with en-suite shower and washroom as well as two large double bedrooms, a family bathroom and landing with access to the loft space. Located in the lively town of Hartlepool, the new Seaton Meadows development is just a couple of miles from the coastal village of Seaton Carew. With great transport links, local amenities, attractions and outdoor spaces, this is an ideal place to invest in your future. Share advertised is 30% of the full market value of £175,000. The Sage The Sage is a semi-detached, three-bedroom family home offering space and elegance throughout. Built with energy-efficient materials to a high-quality specification, this property delivers superb designs, modern décor and excellent finishes. On the ground floor, The Sage offers a spacious open-plan Howdens fitted kitchen-diner with French patio doors leading to the private rear garden. There is also a convenient ground floor w/c, storage room and a generous-sized living area, along with outside parking for two vehicles. The first floor comprises a main bedroom with en-suite shower and washroom, a sizeable double bedroom and a single bedroom that could easily double as a home office. A family bathroom completes this home with full-height bath tiles, quality finishes and fitted vinyl flooring. Located in the lively town of Hartlepool, the new development of Seaton Meadows is just a couple of miles from the coastal village of Seaton Carew. Thanks to great transport links and no shortage of local amenities, attractions and outdoor spaces, this is an ideal place to put down roots. Share advertised is 30% of the full market value of £185,000. The Jade The Jade is a generously-designed, semi-detached, four-bedroom family home. Built to a high-quality standard, this property presents charming designs, modern décor and energy efficiency throughout. On the ground floor, The Jade comprises a spacious open-plan Howdens fitted kitchen-diner, a convenient separate w/c and a sizeable living area with large patio doors leading to the private rear garden. Outside of the property, you will also find a generous garage space and parking for an additional two vehicles. The first floor consists of a main bedroom with en-suite shower and washroom, another two large double bedrooms, a single bedroom and a stunning family bathroom with modern tiles, fixtures and fittings. Located in the lively town of Hartlepool, Seaton Meadows is a new development just a couple of miles from the coastal village of Seaton Carew. With great transport links, local amenities, attractions and outdoor spaces, this is an ideal place to put down roots. Share advertised is 45% of the full market value of £225,000.

Shared ownership

Goddard Street

by Guinness Homes

Crewe, Cheshire, CW1 3FB

2 bedroom houses

£82,000 for a 40% share
£205,000 Full Market Value

Discover Shared Ownership in Crewe at Goddard Street. A beautiful community in the Cheshire town of Crewe.Get a £1,000 voucher when you reserve by 14th of February.*This brand-new collection of 2 bedroom Shared Ownership houses in Cheshire. They are just moments away from the vibrant town centre, but with the benefits of living in a residential community of homes. They feature a private rear garden and allocated parking.The LocationCrewe is ideally situated for country walks, bike rides and fishing. The local entertainment includes theatres, dining, and retail. It is the perfect place to call home for families and first-time buyers alike.When you move to Crewe, take advantage of the excellent transport links. Crewe's historic train station is one of the biggest and best connected in the Northwest. You can enjoy the best of all worlds - not just great local amenities. There are fast connections to stunning rural settings and major cities such as Manchester, Liverpool, and London, for work and play.*Incentive Terms & Conditions: The incentive is for new reservations and would be offered in the form of a shopping e-voucher provided by Guinness Homes. E-voucher's will be via John Lewis, or alternative provider, at Guinness Homes' discretion. Incentive is valid for reservations before 14th February 2026 and completions made by 31st March 2026. Speak to the sales team for further information or visit guinnesshomes.co.uk/offers.

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: