Shared ownership houses for sale | What is shared ownership?

How does it work?

Eligibility

Staircasing

Considerations

Shared ownership houses

Shared ownership

Heritage Green

by Fulfords

Exeter, Devon, EX2 8TS

2, 3 & 4 bedroom houses

£67,500 - £156,250 for a 25% share
(£270,000 - £625,000 Full Market Value)

FINAL RELEASES NOW SELLING AT HERITAGE GREEN, ALPHINGTON, EXETER! The affordable way to buy with less deposit and a lower mortgage*; Heritage Green offers a selection of spacious Shared Ownership homes, perfect for a wide range of buyers. Exeter city centre is just 11 minutes’ drive providing a great selection of education, retail, employment, sport and leisure. 2 bedroom homes from £108,000 based on buying at 40% share 4 bedroom homes from £130,000 based on buying at 25% share 5 bedroom home at £156,250 based on buying at 25% share These homes will feature: Stylish specification Carpets & flooring throughout Integrated appliances Parking Solar Panels

Shared ownershipGreen features

Ash Meadows

by Rooftop Housing Group

Worcester, Worcestershire, WR5 3HR

2 bedroom bungalows

From £71,250 for a 25% share
(From £285,000 Full Market Value)

We are pleased to introduce a beautiful selection of 2, 3 & 4 bedroom ecofriendly homes for sale via Shared Ownership, with Vistry Partnerships available to reserve now. Homes have been handed over to Rooftop Housing Association and are available to view. We currently only have 1 plot remaining – Plot 77 – 2 bed terraced bungalow (Full market value of £285,000). Shares available from 25%, subject to affordability assessment. This 92 home development which has excellent links to major nearby cities represents a significant contribution to the new-build affordable local housing market in the area. Worcester is ideally located close to major roads and transport networks which serves close by local towns and is within commuting distance to some of the region’s major cities such as Cheltenham, Gloucester and Birmingham. Please visit our website for a full price list, brochure and the Key Information Document for a breakdown of the value vs rental payments.

Shared ownership

Trilogy

by Auxesia Homes

Tyldesley, Greater Manchester, M29 8PR

2 & 3 bedroom houses

From £132,500 for a 50% share
(From £265,000 Full Market Value)

Trilogy is an exceptional development located in the heart of Mosley Common, Greater Manchester, offering a selection of beautifully designed 2-3 bedroom homes, perfect for modern living. Set in the heart of Mosley Common, Trilogy is a vibrant, modern development that blends high- quality homes with everyday convenience and long-term value. Available exclusively through shared ownership, The Tailor, The Salter, and The Faber house types offer a unique opportunity to step onto the property ladder in a sought-after Greater Manchester location. Trilogy is perfectly positioned for commuters, with the A580 East Lancashire Road just minutes away, connecting you easily to Manchester city centre and beyond. Excellent public transport links, including local bus routes and nearby train stations at Walkden and Atherton, make getting around effortless—whether you’re heading to work, school, or a weekend outing. Families will appreciate the range of well- regarded local schools nearby. St. John’s MosleyCommonCEPrimarySchoolandGarrett Hall Primary School are both within walking distance, while several secondary schools and colleges are a short drive away, providing strong options for all stages of education. Everyday amenities are close to home, with supermarkets, shops, and local eateries just minutes away. Leisure facilities are also plentiful, with nearby gyms, parks, golf courses, and nature trails like Pennington Flash offering something for everyone. Trilogy offers the perfect blend of suburban calm and urban access, giving you space to grow, unwind, and thrive. Each home is finished to a high standard and includes energy-efficient heating systems, integrated appliances, open-plan living spaces, and private gardens. Whether you’re a first-time buyer or looking to move into a more manageable home, these thoughtfully designed properties offer comfort, style, and affordability without compromise. Trilogy is more than just a place to live—it’s a place to call home The Tyne is a stylish three-bedroom home designed with comfort, practicality, and contemporary living in mind. With thoughtful layouts and quality finishes throughout, this property is ideal for growing families, first-time buyers, or anyone looking for a modern space to call home. On the ground floor, the generous living room provides a welcoming space to relax or entertain, while the open-plan kitchen and dining area offers the perfect setting for family meals or weekend gatherings. French doors open onto the garden, bringing in natural light and extending the living space outdoors during the warmer months. A handy downstairs cloakroom adds extra convenience for guests and everyday living. Upstairs, you’ll find three well-proportioned bedrooms. The primary bedroom benefits from its own en-suite, creating a peaceful retreat at the end of the day. Two further bedrooms and a contemporary family bathroom ensure there’s ample space for children, guests, or a home office setup. Storage is cleverly integrated throughout, helping to keep your living areas tidy and clutter-free. The Tyne combines timeless design with modern functionality, set within a thoughtfully landscaped development. Whether you’re just starting out or looking to settle into a home that meets your everyday needs, this house type delivers space, comfort, and long-term value. The Dean is a thoughtfully arranged 3-bedroom mews property offering a balanced mix of entertaining and functional living space. Its layout with a welcoming hallway, separate kitchen/breakfast area, WC, and a generous living room, caters perfectly to modern family life. Upstairs, you’ll find three well-proportioned bedrooms. The primary bedroom benefits from its own en-suite, creating a peaceful retreat at the end of the day. Two further bedrooms and a contemporary family bathroom ensure there’s ample space for children, guests, or a home office setup. Storage is cleverly integrated throughout, helping to keep your living areas tidy and clutter-free. The Dean combines timeless design with modern functionality, set within a thoughtfully landscaped development. Whether you’re just starting out or looking to settle into a home that meets your everyday needs, this house type delivers space, comfort, and long-term value. The Eden is a smartly designed two-bedroom home that blends style, practicality, and comfort—making it an ideal choice for first-time buyers, downsizers, or those seeking a low- maintenance modern home. With well-proportioned living spaces and a contemporary layout, The Eden delivers easy everyday living in a home that feels both welcoming and refined. On the ground floor, a front-facing kitchen offers a functional and well-equipped space for cooking and hosting, with modern units and quality finishes throughout. To the rear, the open-plan living and dining area creates a relaxed social hub, complete with French doors that open onto the garden—perfect for summer evenings or weekend entertaining. A downstairs cloakroom adds convenience for guests and family life. Upstairs, two generous double bedrooms provide comfortable retreats, with the primary bedroom offering ample space for wardrobes and additional furnishings. The second bedroom is ideal for guests, children, or a home office setup, depending on your needs. A sleek family bathroom completes the first floor, finished to a high standard with modern fixtures and fittings. Prices start from £132,500 which represents a 50% share of the property. Rent would therefore be payable on the outstanding 50% share, set at 2.75% per annum. Based on a 50% share, rent would equate to an additional £304 per month on top of any required mortgage. You may purchase up to 75% of the total property price upfront.

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: