Shared ownership houses for sale | What is shared ownership?

How does it work?

Eligibility

Staircasing

Considerations

Shared ownership houses

Shared ownership

Amour Court

by Barnard Marcus

London, Greater London, NW10 7RW

1 & 2 bedroom apartments

£80,000 - £98,750 for a 25% share
(£320,000 - £395,000 Full Market Value)

WHY RENT WHEN YOU CAN BUY | Offering the best of open-plan living, this fantastic development of 1 & 2 bedroom Shared Ownership apartments is in one of the most exciting regeneration areas of London, conveniently placed in Zone 3, you'll benefit from excellent connectivity with access to cycle paths along the canal into London, a nearby bus stop, and plenty of London underground station options, allowing you to travel with ease, including the forthcoming HS2. Stylish indigo and white kitchen units provide plenty of space with fully integrated appliances including an electric oven, hob, extractor fan, dishwasher and fridge/freezer; a free-standing washer/dryer is located in the utility cupboard. Bedrooms are bright and spacious, with built in wardrobes offering plenty of storage. The development further benefits from peaceful communal gardens and private balconies to the apartments with far-reaching views. SHARED OWNERSHIP: You buy the share you can afford and pay rent on the share that's left. BENEFITS INCLUDE: Affordable monthly mortgage payments (compared to full ownership) | Ability to buy more shares in your home via staircasing | Opportunity to build your equity Shared Ownership could be for you if: You are over the age of 18 | Your household income is less than £90,000 | It will be the only property you own *Cash back is plot specific, T&Cs apply ask for details. Images and showreel for demonstration purposes only.

Shared ownership

Shepherds Green

by VIVID

Hordle, Hampshire, SO41 0FF

2 bedroom coach houses

£77,500 - £110,000 for a 25% share
(£310,000 - £440,000 Full Market Value)

At a Glance - Newbuild Shared Ownership - Leasehold with 990 year lease - Council Band: TBC (Find out more) - Predicted energy assessment ratings: TBC - Newbuild Warranty Provided - Local Applicants may have priority on this site and there may be a restriction on staircasing (up to 80%) - We may be required to discuss your application with the Local Authority - Current expected handover date from developers: February 2026 - Pets welcome Nestled on the edge of the New Forest National Park, Hordle offers the perfect balance of countryside charm and coastal living. A rare opportunity to buy a Shared Ownership home in such a beautiful location. There are many walking trails, cycling routes and areas of natural beauty to explore. This location is a short drive from Milton-on-Sea and Barton-on-Sea where there are beaches, pubs and many places to walk and explore. Hordle has some very useful amenities including local shops, a village school and welcoming pubs. Slightly further afield in Lymington, Christchurch and New Milton there are further shops and places to eat and drink. There are mainline rail services from New Milton, and road links to Bournemouth, Southampton and London for commuting and social life.

Shared ownership

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Up to £4,000 moving contribution!

Bluebell Heights

by Hyde New Homes

Brighton, East Sussex, BN1 9BW

2 bedroom apartments

From £90,000 for a 25% share
(From £360,000 Full Market Value)

Reserve now for just £99 and benefit from up to £4,000 moving contribution on selected homes. Terms and conditions apply. Prices starting from £91,250 for 25% share, based on a full market value of £365,000 for a one bedroom apartment. With nearly 80% of homes sold, don’t miss out on this incredible offer and book your appointment today! Choose from a superb selection of 2 bedroom apartments with shared ownership ready to move in now. Marketing suite and Show Apartment is open Tuesday to Saturday 10am to 4pm by appointment only. Why buy at Bluebell Heights: Allocated parking Cycle storage and electric car charging points Private balconies, terraces or patios to all homes Landscaped terraced communal gardens Countryside views Your new surroundings: Direct access to Stanmer Park Nature Reserve Surrounded by nature Ease of access to Brighton and beyond Travel incentives such as Bus passes, Bike purchase voucher incentives, Beryl Bike hire membership, and Enterprise Car hire membership are available to every resident. The Hyde Difference: Over 90% customer satisfaction for 13 consecutive years Experienced in-house sales team to help you with the process to owning your own home. Option to purchase more shares and own your home outright at any time High specification as standard Contemporary kitchen units with integrated appliances Premier warranty 250 year lease Quality flooring included

Shared ownershipGreen features

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.

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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:

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