Shared ownership houses for sale | What is shared ownership?

How does it work?

Eligibility

Staircasing

Considerations

Shared ownership houses

Shared ownership

Alexandra Place

by Abri Homes

Alton, Hampshire, GU34 1RF

2 bedroom houses

£148,000 for a 40% share
£370,000 Full Market Value

Alexandra Place is a new collection of two and three bedroom homes in the market town of Alton. Home to a bustling high street of independent shops and a weekly market. A fan of Pride and Prejudice? These new homes are just four minutes’ drive from the charming village of Chawton, which was once home to the famous author Jane Austen.   New homes now selling. Register your interest now to be kept up to date. Tenure: Leasehold. Length of lease: 990 years. Reservation fee: £500. Predicted council tax band: New build properties, band to be determined. Service charge is reviewed once a year. A local area connection to East Hampshire is required. This could mean living, working or having family living in the area.

Shared ownership

Wharf Twenty One

by Southern Housing New Homes

Shoreham by Sea, West Sussex, BN43 6DR

1 & 2 bedroom apartments

£65,625 - £97,063 for a 25% share
£262,500 - £388,250 Full Market Value

Join us for a festive event at Wharf Twenty One on Saturday, 6th December! We'll have drinks, nibbles and a cosy glow of our Christmas tree waiting for you. Take a relaxed wander around and picture yourself settling in. Make it a new year's resolution that's actually easy to keep - move into your new home in 2026! Reserve one of the selected 1 bed apartments before or at the event and we'll offer you £1,000 deposit contribution, plus a chance to win a hamper*! Homes at Wharf Twenty One are ready to move in! One bedroom Shared Ownership apartments with monthly costs from only £907 and 2 bedroom apartments with monthly costs from £1,126.** Selected 2 bed homes are now available with parking - speak to our sales team to find out more.Wharf Twenty One has been shortlisted for the Best Shared Ownership Development - rural/suburban award at the Inside Housing Development Awards 2025!Modern one and two bedroom Shared Ownership apartments at Wharf Twenty One, each with a private balcony or terrace. It's all in the details. Experience modern living at Wharf Twenty One. Crafted with a contemporary touch, these apartments offer style and private outdoor space. A place with regeneration in its DNA. Located on a once iconic commercial port, Wharf Twenty One is an exciting development in Shoreham-by-Sea. This stylish collection offering the perfect blend of town and coastal living.Benefits of living at Wharf Twenty OnePremium / Contemporary specificationPrivate balcony or terraceCoastal living by the River AdurShoreham Harbour is undergoing significant regenerationClose proximity to cafés, leisure and restaurants Less than a 10-minute walk to Shoreham-by-Sea stationGood transport links to London, Brighton, Southampton and Portsmouth10-year NHBC warranty Regeneration in Shoreham-by-SeaBe part of Shoreham's regeneration movement at Wharf Twenty One, an exciting new development for coastal living. Experience the future of Shoreham-by-Sea at Wharf Twenty One, embracing its legacy while actively moving towards new horizons. Through a remarkable regeneration initiative, Shoreham is undergoing an exciting transformation, ensuring that its community thrives and its economy flourishes. Significant investment is being made into the local community and economy, propelling growth and development in the area. A sprawling 3.5 acres will be rejuvenated, breathing life into the landscaped public areas and giving residents access to the picturesque riverfront. The harbour is poised for revival and will offer employment spaces, charming cafés and restaurants, all of which will create a lively atmosphere.By 2031 Shoreham Harbour will be transformed into a vibrant, thriving waterfront destination made up of a series of sustainable, mixed-use developments alongside a consolidated and enhanced Shoreham Port, which will continue to play a vital role in the local economy. Once known as Shoreham's commercial port, the location is now a designated regeneration area, which will create a new sense of community. Set on the riverside, the apartments at Wharf Twenty One are designed with high specification and features, stylish fitted kitchens, great quality carpets in the bedrooms and private outdoor space to each home. The scheme will benefit from landscaped communal gardens and the surrounding area will offer fantastic local amenities and transport links.Register your interest and book a viewing to find out more*£1,000 incentive is available for 1 bedroom apartments on the first floor at Wharf Twenty One if you reserve before the 11th December, 2025. MOS must be issued before the 11th December, 2025. Exchange must take place within 28 days from issue of Memorandum of Sale and completion within 10 days of exchange to qualify. Offer can be withdrawn at any time and is not available in conjunction with any other offer. Buyers are only entitled to one incentive with their purchase. Speak to a member of the sales team for more details. Offer can be withdrawn at any time. The £1,000 will be a deduction from the final balance due to Southern Housing upon completion. To be eligible for a raffle draw, MOS must be issued before the 11thDecember, 2025. Exchange must take place within 28 days from issue of Memorandum of Sale and completion within 10 days of exchange to qualify. We will notify the winner and deliver the hamper on the completion day.**Eligibility and affordability criteria applies. See the price list for more information and speak to a member of sales team.

Shared ownership

Hendon

by Square Roots

Hendon, Greater London, NW9 6GP

Studio, 1, 2 & 3 bedroom apartments

£73,125 - £151,250 for a 25% share
(£292,500 - £605,000 Full Market Value)

BRAND NEW SHARED OWNERSHIP HOMES IN HENDON An exciting development of studio, one, two and three bedroom apartments and duplexes. In the heart of North London, make way for a modern landmark development and a new urban community setting new standards for Shared Ownership. Square Roots Hendon is part of an exciting regeneration area aiming to create a new mixed neighbourhood of social, private and affordable homes PERFECT POSITION Commute, work, or play. Wherever you need to be, you're ideally positioned to travel out from London. M1, North Circular, Northern Line. Take your pick of routes. It's just a 14- minute walk to Hendon station and on the A5, it's a straight 7line to Marble Arch. Not to mention nearby Brent Cross, Wembley and more. YOUR HOME, YOUR WAY Integrated appliances, a USB port to all living paces, and a balcony or terrace to every apartment are just some of the features that make up your new contemporary home. For further information please speak to our Sales Executives. BOOK YOUR APPOINTMENT Square Roots Hendon Sales Suite Edgware Road, NW9 6LB

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: