Shared ownership houses for sale | What is shared ownership?

How does it work?

Eligibility

Staircasing

Considerations

Shared ownership houses

Coming Soon

The Meadow

by Abri Homes

Swallowfield, Berkshire, RG7 1RQ

3 bedroom houses

Prices coming soon

The Meadow is a new collection of three bedroom houses set in the welcoming village of Swallowfield. You’ll have lots to explore, with a choice of shops, pubs and eateries nearby, plus Wokingham is only a short drive away. Looking for community spirit? With the annual Swallowfield Show in the summer and the numerous local clubs, you’ll soon find you and your family settling into this friendly village. Price release expected early 2026. 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. Applications with a local area connection to Swallowfield will be prioritised. Please contact our Sales Executive for more information.

Shared ownership

Perfume Factory

by NHG Homes

North Acton, Greater London, W3 6UG

1 bedroom apartments

From £103,750 for a 25% share
(From £415,000 Full Market Value)

Explore The Perfume Factory in North Acton, exclusively available with Shared Ownership from NHG Homes. The final apartment has unexpectedly returned to the market and is now ready to move in. Boasting a gleaming new amenities in a modern square next to North Acton Station on the Central Line, The Perfume Factory offers exceptional connections to Central London and beyond. Each modern new apartment includes high quality finishes and a premium specification. The Location With the North Acton underground station just a few minutes away and the new Acton Main Line Elizabeth Line station nearby, you can be at Paddington in under half an hour and the Westfield shopping centre in just over ten minutes. Closer to home, a new community is beginning to grow and supporting amenities are springing up, such as restaurants and supermarkets, complementing the wide choice of offerings of nearby Acton and Shepherd’s Bush. The Apartment Living room, kitchen and hallways are finished with stylish Nordic oak laminate floors. Blackout roller blinds are included throughout saving the need for expensive window treatments, and the bedroom includes a fitted wardrobe. Beautiful, modern kitchens feature state-of-the-art appliances from Bosch and Caesarstone quartz worktops.

Shared ownership

Hawthorn Place

by VIVID

Fordingbridge, Hampshire, SP6 1FX

2 bedroom houses

From £37,500 for a 25% share
(From £150,000 Full Market Value)

Hawthorn Place is a brand new development of new 2 bedroom shared ownership houses in Burgate, Fordingbridge. Our new homes are in Burgate, close to Fordingbridge. Built on the banks of the River Avon, Fordingbridge, is a small riverside town at the gateway to the New Forest.

Shared ownership

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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: