Shared Ownership Houses for Sale

How does it work?

Eligibility

Staircasing

Considerations

Shared ownership houses

Shared ownership

Broadway Lane

by Rooftop Housing Group

Fladbury, Worcestershire, WR10 2QQ

2 & 3 bedroom houses and 2 bedroom bungalows

Prices coming soon

COMING SOON – EXPECTED HANDOVER NOVEMBER 2025 Rooftop Housing Group are delighted to offer you the opportunity to purchase a Shared Ownership property in the charming village of Fladbury: ‍ 2 x 2b3p Bungalow 3 x 2b4p House 8 x 3b5p House Register your interest today and be the first to hear once homes are available to reserve. Please note: Priority will be given to those with a local connection to the area and surrounding parishes. Please contact our sales consultant for more information. For more details please contact us! Images/photographs shown are for illustrative purposes. Floor plans depict a typical layout of this house type and are for illustrative purposes only. They are not intended to be used for carpet sizes, appliance sizes or items of furniture. For exact plot specification, please speak with our sales consultant. Some properties may be a mirror image of the plan shown.

Shared ownership

By The Park

by VIVID

Littlehampton, West Sussex, BN17 6FE

1 bedroom apartments

From £80,000 for a 25% share
(From £320,000 Full Market Value)

Apply now for brand new1 bedroom apartments coming soon to Littlehampton! By the Park is a unique Scandinavian inspired development of 1 bedroom flats . Located in the bustling, traditional seaside town of Littlehampton. The development is aptly named, sitting alongside Rosemead Park. Littlehampton’s main high street in town is a few minutes drive by car and features a whole host of shops, from fashion and food stores to a pharmacy & post office. Bars and restaurants are plentiful, you will be spoilt for choice when dining out. As with any historic town there are various points of interest. Along the High Street you will find the Millenium Clock Tower and Littlehampton Museum with its collections of art, natural history and war time artefacts, to name a few. If you enjoy being outdoors, Littlehampton is a great place to be. There are several recreation grounds and parks nearby, ideal for a picnic or leisurely dog walk. For budding footballers in the family, there’s a football club close by, catering for children up to 8 years old. Heading South to the beach makes for a great day out. There’s everything you would expect from a seaside town. Get yourself tickets for a movie at the Windmill Cinema, win a toy at the amusements, play a round of crazy golf or visit the miniature railway. All situated close to the promenade where you can grab refreshments, relax and breathe in that fresh sea air whilst taking in the view. Just across the River Arun, accessible by car, you will find a golf club and the local jet ski/yacht club. There really is something for everyone. Primary & secondary schools are close by, easily accessed by foot or a few minutes by car. If transport links are high up on your list of must haves, you will find Littlehampton ideal. Surrounding areas are well serviced by bus and for trips further afield, the train station links to the major hubs. You can be in Portsmouth in just under an hour and London in under 2 hours. By road you are approximately 10 miles east of Chichester and heading the same distance west you will be in Worthing. If you are planning a trip to the vibrant and diverse town of Brighton, a 45 minute drive will be all it takes to get you there. View Brochure

Shared ownership

Primrose Gardens

by Abri Homes

Eastleigh, Hampshire, SO50 7QG

2 & 3 bedroom houses

Prices coming soon

NEW HOMES COMING SOON Primrose Gardens is a new collection of two, three and four bedroom homes located in Fair Oak, Eastleigh. Located less than 10 minutes’ drive from Eastleigh’s bustling town centre. Here, you’ll find an array of shops, restaurants and cafes along with excellent travel connections to the M27 and M3 motorways, providing easy links to Southampton, The New Forest, Winchester and London. First price release expected spring 2025. Register your interest 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.

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: