Shared ownership houses for sale | What is shared ownership?

How does it work?

Eligibility

Staircasing

Considerations

Shared ownership houses

Incentives worth up to £5,000 available!*

Sterling Gardens

by Gascoigne - Pees

Newbury, Berkshire, RG14 5RQ

1 & 2 bedroom apartments

From £56,250 for a 25% share
(From £225,000 Full Market Value)

Deposit incentives worth up to £5,000 available!* Welcome to Sterling Gardens, an impressive new development of one- and two-bedroom apartments set around private gardens. This contemporary development benefits from secure allocated parking and is ideally located close to the town centre. These modern-day apartments have been thoughtfully designed and are light, airy and stylish. They feature state of the art appliances and fittings throughout providing a feeling of elegant sophistication. The large open plan living area looks out to the stunning residents’ gardens and boasts stunning views over Newbury and the wider countryside making it the perfect place to entertain family and friends. The individually designed contemporary kitchens features Bosch appliances and bring a chic feel, exuding style. The fully fitted symphony kitchen features handleless cupboards and under unit LED lighting. Beautiful bedrooms are a haven of peace for relaxing and unwinding at the end of a busy day. The main bedroom features mirrored fitted wardrobes with shelving and hanging rail. Elegant bespoke bathrooms have luxury features and are complemented by chrome fittings, natural finish floors, wall tiles to create a serene space and heated chrome towel rail. Newbury is steeped in history and surrounded by some of the UK’s most outstanding countryside providing the perfect mix of vibrancy and relaxation with a fresh, rural feel. This fabulous location and combination of market town ambience with a wealth of retail and leisure opportunities makes Newbury a sought-after location. On your doorstep you have spectacular surroundings including a vibrant arts scene, fine fining to shopping. Big brand names sit side by side with small independent shops and boutiques offering hidden gems, so you never have to venture far. There’s a bi-weekly market and monthly farmers and artisan market with locally sources goods, a must have for any foodie. Once you’ve shopped until you can drop you can relax is one of the many local bars or cafes. Newbury is nestled between the North Wessex Downs and Berkshire Downs in an Area of Outstanding Natural Beauty. An extensive network of public footpaths ensures that within minutes of leaving the town centre you can be immersed in rolling countryside and woodland retreats. Cycle along the towpaths or take the easier option of a relaxing narrowboat trip along the Kennet and Avon Canal. Sterling Gardens offers an easy commute to Reading, London, Oxford, Swindon and Basingstoke making it perfectly located for work and leisure. There are excellent transport links by rail, car, bus and cycle paths. Newbury Station and Newbury Racecourse Station are within nearby walking distance where the journey time to London Paddington is just over 40 minutes. Gatwick, Heathrow, Luton, Stanstead, Southampton and Bournemouth Airports are all within easy reach meaning at Sterling Gardens style, connectivity and relaxation go hand in hand. Key features include: • High-qualify full height double glazed windows • Amtico flooring • Videophone door entry system • TV/ Sky Q provision/ BT fibre broadband point • Architecturally and ecologically designed courtyard garden designed to enhance biodiversity • Private balcony or terrace to every apartment • Lift access • Bike storage spaces available • Car parking spaces available • 10 year build zone warranty cover *The Shared Ownership scheme is a Part Buy, Part Rent way of owning your own home for a smaller upfront payment. With Shared Ownership, you buy a share of your home using a mortgage from a bank or building society and pay a subsidised rent on the share you did not purchase. The combined mortgage and rent is usually less than you’d expect to pay if you bought a similar property outright. When you’re ready, you can buy more shares until you staircase to owning 100% of your home. In order to qualify for the shared ownership scheme the household income must be less than £80,000 a year and you can’t own another property (unless Sold Subject to Contract). Please note, as a Shared Ownership purchase there are likely to be additional legal fees during the conveyancing process, your solicitor can advise you of these. Disclaimers o Rent on the unsold share is charged at 2.75% for the first year. For exact costings, please speak to an independent financial or mortgage advisor. o Deposits start from 5% of your chosen share value and depends on lender and product availability. o Typically shares up to 75% are available depending on your affordability. Please speak to a member of team for more information o Please note images used in this listing are for illustration purposes and are not exact to the property. o EPC and Council Tax Bands are to be determined as new builds. *Deposit Offer available at Sterling Gardens and on selected plots only. Incentive available up to 5% of the share value purchased and capped at a maximum of £5,000. Not available in conjunction with any other offer. Offer to be received upon legal completion and will be taken off the completion statement, no cashback alternative available. The developer has the right to withdraw this offer at any time. Please speak to the local Gascoigne-Pees estate agent selling this new home development for further information. **Car parking will be £30 annually

Shared ownership

Orbit Homes at Cromwell Wharf

by Orbit Homes

Lichfield, Staffordshire, WS14 9ER

2 & 3 bedroom houses

£120,000 - £144,000 for a 40% share
(£300,000 - £360,000 Full Market Value)

**FIRST HOMES NOW RELEASED!** We are excited to be offering new Shared Ownership homes at Orbit Homes at Cromwell Wharf, a new development located on the border of the historic cathedral city of Lichfield. We have a range of 2 and 3-bedroom homes available to buy exclusively with Shared Ownership, the more affordable way to buy a new home. These energy efficient homes all have solar panels. They are built to our high specification and include integrated kitchen appliances and all flooring as standard, as well as a turfed and fenced rear garden. Surrounded by the beautiful Staffordshire countryside, this new development has easy access to local amenities and offers an opportunity to experience city living but with the benefits of being close to nature and green spaces. Contact us today to find out more and start your application. We’ll help you find your dream home for 2026!

Shared ownershipGreen features

So Resi Finchampstead

by SO Resi

Finchampstead, Berkshire, RG40 4BY

3 bedroom houses

£131,875 - £133,125 for a 25% share
£184,625 - £191,625 for a 35% share
£527,500 - £547,500 Full Market Value

Discover our Shared Ownership homes for sale in Finchampstead Nestled in the leafy town of Wokingham, SO Resi Finchampstead offers exceptional two and three bedroom houses available through Shared Ownership. The local area seamlessly blends countryside charm with modern living with over 140 acres of woods and grassland for scenic walks right on your doorstop. There is even an ancient Roman road nearby, nicknamed "The Devil's Highway". The location and size of these properties makes them ideal for professional couples and young families. Commuters can easily travel to Central London and neighbouring towns via the Wokingham and Crowthorne stations. There are also several local schools nearby. Our properties in Finchampstead We've designed these two and three bedroom houses with contemporary style, daily comfort and sustainability in mind. Each home features an open plan fitted kitchen with integrated appliances and a spacious private garden, where you can enjoy family time or a quiet morning coffee. Each bedroom is carpeted and has a fitted wardrobe for easy storage. Select homes also have a private driveway or an allocated parking space, with electric vehicle charging options available. Ready to continue your homeownership journey? Explore our FAQ page or contact us with your queries today. Benefit from Shared Ownership prices Our homes in Finchampstead are available through our Shared Ownership scheme, which means you could buy one with a deposit as low as 5% of the market value. Find out more about affordable housing through Shared Ownership with SO Resi today. Please note priority will be given to customers who live and work in the borough of Wokingham. Key features Private gardens Open plan layouts Fully integrated kitchen appliances Some homes with private driveways Private allocated parking with EV charging spaces Location Why choose Shared Ownership in Finchampstead? Finchampstead transport links Wokingham boasts excellent transport connections, making it a commuter-friendly hub. The town lies on the Southwestern Railway line, which offers regular services to London Waterloo, Reading and Gatwick Airport. By road, it's conveniently positioned near the A329(M) and M4, providing swift access to the M3, Heathrow Airport and beyond. Local community and culture Wokingham is an ever growing cultural hub, hosting local festivals and art initiatives, including the Mindset Unlimited Wellbeing Festival in Elms Field and the Wokingham Festival in Cantley Park. Dinton Pastures Country Park also hosts community events, including live concerts and weekend food festivals. Eat out or in Wokingham has dining options all over town, from cosy pubs to fusion restaurants. You can enjoy relaxed all day dining at the Sedero Lounge, or savour authentic Thai cuisine at Pad Thai - the Red Lion or grab a quick bite at It's Pizza Wokingham. If you prefer a light bite with a coffee, Sultan's Cafe is also right in the heart of town. Lush green spaces Between Dinton Pastures Country Park and California Country Park, Wokingham locals are spoiled for choice. Both areas are perfect for dog walking, wildlife spotting and family outings. The wider borough also boasts over 100 Local Wildlife Sites, including Winnersh Meadows and Woosehill Meadows, celebrated for their biodiversity and natural beauty. Excellent educational facilities Wokingham offers a diverse range of schools to accommodate children of all ages, from Walter Infant School and Nursery to The Forest Secondary School. Odyssey House School proudly provides a supportive education environment for the neurodiverse pupils. Meanwhile, Reddam House Berkshire offers private education from nursery through to sixth form.

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: