Shared ownership houses for sale | What is shared ownership?

How does it work?

Eligibility

Staircasing

Considerations

Shared ownership houses

Shared ownership

Hepworth Place Waltham Forest Town Hall E17

by Riverside Housing

Walthamstow, Greater London, E17 4ZF

1, 2 & 3 bedroom apartments

From £137,375 for a 35% share
(From £392,500 Full Market Value)

Enjoy £1,000 cashback to make your move even smoother when you exchange within 28 days of reservation* T&Cs apply speak to our Sales Consultant. Don’t miss your opportunity to own a contemporary home in one of East London’s most sought after neighbourhoods. Hepworth Place is a landmark development set within the iconic Waltham Forest Town Hall regeneration and right in the heart of Walthamstow voted Sunday Times ‘Best Place to Live 2025’. This is your chance to secure a high quality home in a location where demand continues to soar. Landmark Civic Quarter Setting Located within the Waltham Forest Town Hall regeneration, surrounded by historic civic buildings, landscaped public spaces and cultural venues. Contemporary Homes with Premium Specification Designed for modern city living, these stylish apartments offer generous open plan layouts, contemporary kitchens with integrated appliances, underfloor heating and sleek, hotel style bathrooms. Every home benefits from private outdoor space, providing the perfect extension to your living area. Exceptional Transport Connections into Central London -Approx. 15-minute walk to Wood Street Overground Station -Easy links via Walthamstow Central for Victoria Line and Overground services -Conveniently close to the A406 North Circular with connections to A13, M11 and M25 for Greater London and Essex Private Outdoor Space & Green Open Spaces Every home benefits from private balcony or terrace, with Chestnuts Field and landscaped civic gardens moments away. Lifestyle on Your Doorstep On your doorstep, you’ll find an exciting mix of independent cafés, bustling markets including Walthamstow Market - Europe's longest open-air market, green open spaces and leisure facilities such as Waltham Forest Feel Good Centre, creating a lifestyle that’s both vibrant and well balanced. Affordable Shared Ownership in a Prime London Location Available through Shared Ownership, Hepworth Place offers an affordable and flexible route onto the London property ladder allowing you to buy a share that suits your budget while enjoying all the benefits of owning a brand new home in a premium zone. Demand is high so enquire today to avoid missing out! Greener Is the Way Forward According to the Home Builders Federation, on average, owners of a new build apartment save £435 on household bills each year. Those that buy a new build house see even greater annual savings of £555 – which is equivalent to three weeks of an average mortgage or the cost of a takeaway coffee every working day for the year! Key features - Walthamstow, voted Sunday Times ‘Best Place to Live 2025!’ London - 15mins walking distance from Wood Street Station - Easy connections to Walthamstow Central - Buzzing Highstreet on your door step with a range of fantastic independent businesses nearby, from coffee shops to stylish boutiques and famous markets. - Surrounded by ample open green spaces with Chestnut Field right behind - Waltham Forest Feel Good Leisure on your door step - Secure by design with high specification, integrated appliances and energy efficient new homes - Spacious design and private outdoor space to each home - Four local primary schools walking distance away

Shared ownership

Princes Meadow

by Auxesia Homes

Kirkham, Lancashire, PR4 2DZ

2 & 3 bedroom houses

From £96,200 for a 50% share
(From £192,400 Full Market Value)

Auxesia Homes, in collaboration with Morris Homes, is pleased to offer 15 shared ownership properties for sale at this beautiful new development. Prince’s Meadows is an exceptional development located just outside Kirkham, offering a diverse range of beautifully designed 2 to 3 bedroom homes, perfect for modern living. Prince’s Meadows offers the best of both worlds – peaceful countryside living with everything you need close by. Tucked away in a calm, scenic spot, you're still just minutes from vibrant towns, beautiful coastal resorts, and stunning countryside walks. This welcoming development includes lovely communal play areas, pretty ponds, and a warm, friendly neighbourhood feel. Plus, with Kirkham & Wesham train station just a 3-minute walk away and easy access to the M55, getting around couldn’t be easier. You’ll also have Ribby Hall Village right on your doorstep for family fun and leisure. Kirkham itself is full of character, with historic charm, lovely parks, great cafes, golf courses, and top-rated schools. And when you're in the mood for sea air, you’re only a short drive from Lytham St Annes – known for its gorgeous beach, iconic windmill, and a charming town centre filled with boutiques, restaurants, and coffee shops. If you are looking for a place that feels like home, Prince’s Meadows is the perfect place to settle down and enjoy the lifestyle you’ve been looking for. Prices start from £96,200 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 £220.46 per month on top of any required mortgage. You may purchase up to 75% of the total property price upfront.

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: