Shared ownership houses for sale | What is shared ownership?

How does it work?

Eligibility

Staircasing

Considerations

Shared ownership houses

New Shared Ownership Homes

The Acer Apartments

by Legal & General Affordable Homes

White City, Greater London, W12 7LU

Studio & 1 bedroom apartments

from £109,500 for a 25% share
£438,000 - £696,000 Full Market Value

Welcome to The Acer Apartments at White City Living - a collection of studio and 1 bedroom apartments set within eight acres of parks and gardens. This isn't just a place to live - it's your gateway to London.Zone 2 LivingWith two tube stations just moments away, reach Paddington, Oxford Circus and Bond Street in under 15 minutes. Whether it's business or pleasure, London's best is always within easy reach.Next Door to Westfield LondonStep out and into Europe's largest shopping destination. From designer boutiques to rooftop dining, everything you need is right next door.Green Space Meets City PaceEnjoy the calm of Hammersmith Park and Holland Park just a short walk away providing the best of nature and city living.Designed for Modern LivingEach apartment is thoughtfully designed with full-height windows, integrated appliances, and a private balcony. You'll also have a 24-hour concierge, estate management, and a 15th floor communal roof terrace.What is Shared Ownership?Shared Ownership offers you the chance to buy a share of your home (typically between 25% and 75%) and pay rent on the remaining share. Later on, you could buy more shares of your new home when you can afford to and, if you chose, own the property outright. Monthly costs to purchase a home via Shared Ownership are generally less than purchasing outright or renting, making it a fantastic option to get onto the housing ladder.

Shared ownership

The Willows

by Platform Housing Group

Oakham, Rutland, LE15 6LN

2, 3 & 4 bedroom houses

£98,000 - £134,000 for a 40% share
£245,000 - £335,000 Full Market Value

Introducing The Willows, a beautiful collection of two, three and four-bedroom homes for sale in Rutland in the East Midlands. This brand-new development is located in Oakham, recently voted one of the best places to live in the UK in 2025. Offering contemporary living amongst stunning vistas, rolling hills and a charming market town, The Willows is ideal for families that want to live in the countryside and enjoy stunning scenery, exceptional schools, everyday amenities and a relaxed environment. Oakham itself is home to all of the amenities you’d expect of the largest market town in the region, including charming pubs, independent shops and restaurants, local markets, transport links and some of the best schools in the entire county. There are around 20 schools in and around Rutland - comprising both primary and secondary schools. Three of them are rated ‘Outstanding’, while the rest are rated ‘Good’ by Ofsted - highlighting the educational excellence that the area offers children of all ages. Located between Nottingham and Leicester, Oakham is often lovingly referred to as the Notswolds due to its similarities with the Cotswolds, but with a more affordable property market.

Shared ownershipGreen features

Heart of Hale

by Sage Homes

Tottenham, Greater London, N17 9LR

Studio & 2 bedroom apartments

£85,000 - £122,500 for a 25% share
(£340,000 - £490,000 Full Market Value)

Soak up the summer warmth — and stay cosy all winter too. Most of our brand-new Shared Ownership homes come with an EPC A rating, meaning your home stays warmer for less — even when temperatures drop. Buy a home this summer, and we’ll help keep you warm this winter with a £1,000 towards your winter energy bills* *£1,000 allowance on select homes, provided upon completion. Studio & two bed apartments are now available in the newly developed, vibrant centre of Tottenham Hale. Two minutes walk away from Tottenham Hale tube and train stations, these homes are available to move into now! This diverse area has been carefully regenerated, supporting the existing creative and vibrant neighbourhood. A new public square offers restaurants, shops, bars and a cinema on your doorstep, while the Walthamstow Wetlands are 10 minutes’ walk away offering peace and serenity in the bustling capital. Local area information Securely within Zone 3, Tottenham Hale tube and train stations are two minutes’ walk away, offering the Victoria line and National Rail. You can be in Oxford Circus within 16 minutes, making it easy to get out – and get home. There are also direct trains to Liverpool Street, Hackney and Stansted Airport, connecting you across the capital and beyond. You can even be in Cambridge within 90 minutes. Closer to home, you’ll find the Gym Group London four minutes’ walk away and Tottenham Hale Retail Park is just across the road. If you’re in need of green space, Down Lane Park is a five minute walk away and Tottenham Hotspur stadium is a nine minute drive, offering football, rugby and live concerts. Key Features -Three piece bathroom with shower over bath -Integrated oven, hob and cooker hood -Flooring included -Private outdoor space -Communal gardens -Stunning rooftop with skyline views -An exciting home in a fast developing location

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: