Shared ownership houses for sale | What is shared ownership?

How does it work?

Eligibility

Staircasing

Considerations

Shared ownership houses

Shared ownership

Post House

by Sovereign Network Group

Brentford, Greater London, TW8 8AP

1, 2 & 3 bedroom apartments

£99,375 - £152,500 for a 25% share
(£397,500 - £610,000 Full Market Value)

Welcome to Post House, an exciting new private gated development currently under construction in the borough of Hounslow. This modern development is nestled between the charming areas of Isleworth, Richmond and Twickenham. Discover stylish new homes and explore everything Post House has to offer. Register your interest today! Make moving even easier — £1,000 in Love2Shop vouchers, or split it between £500 towards your legal or broker fees and £500 in vouchers to spend your way. The area features a range of local supermarkets, convenience stores, and restaurants. These establishments cater to the daily needs of local people and provide a sense of community. There's so much to do in this area you are spoilt for choice with options. You can explore the worlds most diverse collections of living plants, in Kew Gardens or explore Syon's Park's captivating Robert Adman interiors and see the broad art collection. Twickenham stadium is a destination for fans around the world to experience match day events or dance to some of the biggest stars in music. Living here means that there is a range of good transport links available. A short walk to the bus stop you can pick up the H22 and the 267 which will take you to Hammersmith. Close by is Isleworth train station approx 1.5 miles which operates South Western Railway with offers routes into London Waterloo and Weybridge, Surrey. An alternative option is Hounslow East tube station which is approx. 2.1 miles where you can the Piccadilly line into Central London. For added convenience, residents also have access to a car club, providing flexible transport options without the need to own a vehicle. Sovereign Network Group is charitable. Register your interest today!

Shared ownership

Ready-to-move in, from £1,435 per month

City Angel Shared Ownership

by Peabody New Homes

Islington, Greater London, EC1V 8DL

Studio apartments

£115,000 - £118,750 for a 25% share
(£460,000 - £475,000 Full Market Value)

Discover City Angel - Own in Zone 1 from just £1,435 per month! Now over 95% sold | Get up to £10,000 towards your moving costs this winter*Reserve before 22 February at City Angel and receive up to £10,000 towards your moving costs such as Stamp Duty contribution, furniture pack or shopping vouchers*.Located within Islington in Zone 1 at Berkeley’s landmark new development 250 City Road, City Angel offers prime urban living above the buzzing superhighway of City Road that connects leafy, lively Islington to the tech start-ups of Old Street.Cancel the commute, wave goodbye to the suburbs – this is how London living was meant to be. You’re freed up, ready for a reboot and ready to enjoy all that the City has to offer including Islington, Shoreditch, the City, Clerkenwell, and the East End; all within easy reach, with Old Street and Angel stations both under an 11-minute walk away.Residents of City Angel benefit from access to The Regents Club, an exclusive suite of luxurious on-site facilities including a gym, spa, swimming pool, sauna, yoga studio, games room, and screening room for a private cinema-style experience.What you get at City Angel:- Studio homes with contemporary kitchens, spacious living areas and private outside space- Available through Shared Ownership- Located in a desirable Zone 1 location between Angel and Old Street stations- The Regents Club, an exclusive resident-only range of on-site facilitiesFinal few homes available! Register your interest to book a viewing and find out more. Disclaimers & T&Cs*Amenity CGIs are indicative only and property of Berkeley Homes.*Travel times taken from Google Maps.*Shared Ownership cost breakdowns and financial information provided is estimated and will differ based on individual circumstances and the specific home reserved.*Get up to £10,000 towards your moving costs this winter* - This “additional incentive offer” can only be used in conjunction with incentives currently running at selected homes at stated developments (KEWB, Zone at Oval, ST Olaves, City Angel, West Ham Village and The Verdean) and is subject to availability. Incentive available per individual household/home sold. Eligibility and affordability criteria will apply - speak to the Sales team for more details. Maximum available incentive available: £10,000, although not all incentives will total to this amount. Offer valid on reservations taken from 22 December 2025 - 22 February 2025. Incentive to be managed at the discretion of the Peabody New Homes Sale Team. Prices and details correct from 22 December 2025.

Shared ownership

Keldview Rise

by Thirteen Group

Beverley, East Riding of Yorkshire, HU17 0XL

3 & 4 bedroom houses

From £25,000 for a 10% share
(From £250,000 Full Market Value)

Welcome to Keldview Rise We are thrilled to offer a beautiful range of 3 & 4-bedroom homes for Shared Ownership, exclusively built by renowned builder, Linden Homes in Beverley – a sought-after, historic town with an excellent choice of local amenities. These desirable new build homes are in the attractive and historic market town of Beverley – named in The Times list as one of the best places to live in the north. Located in the green, rolling countryside of Yorkshire's East Riding, Beverley benefits from a good choice of high street shops, as well as banks, supermarkets, a gym, library, and a host of places to eat and drink. Our new build homes for sale have easy access to A-roads and the nearest train station is just a short distance away. Commuters can easily reach Hull, Bridlington, and York, while families with children will find a good selection of Ofsted-rated schools for all ages within easy reach of home. With so many amenities nearby, the collection of houses for sale at Keldview Rise offers the perfect place for first or second time homeowners, growing families or those just looking for a change! Shared Ownership is the home buying scheme you never knew you needed. It’s simple. You buy what you can afford and pay rent on the rest.

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: