Shared ownership houses for sale | What is shared ownership?

How does it work?

Eligibility

Staircasing

Considerations

Shared ownership houses

Coming soon

Fish Island Point

by Peabody New Homes

Hackney Wick, Greater London, E3 2ND

1, 2 & 3 bedroom apartments

Prices coming soon

Located in the heart of Fish Island, Hackney Wick, Fish Island Point sits within London’s most creative area, offering an exciting place to live and unwind. Fish Island Point is a vibrant collection of 1, 2 & 3 bedroom apartments available through Shared Ownership with great layout options that accommodate wheelchair users.Featuring contemporary kitchens, modern fittings and fixtures, spacious carpeted bedrooms and private outdoor spaces, the development also benefits from landscaped communal podium gardens. Everything is within easy reach when you move to Fish Island Point with fantastic transport links connecting across London by tube and rail; and pedestrian and cycling routes into East London’s hubs and green spaces. Stratford’s Queen Elizabeth Olympic Park is also a stone’s throw away. For our 1-bedroom apartments there will be a 3-month priority period for those with a household income of up to £60,000.

Shared ownership

The Hue

by Fabrica

Hounslow, Greater London, TW3 3NR

2 bedroom apartments

From £157,500 for a 35% share
(From £450,000 Full Market Value)

75% sold now. Don’t miss out on the vibrant collection of 2-bed apartments at The Hue, available for Shared Ownership, located in the heart of Hounslow. Every home at The Hue is a thoughtfully designed 2-bedroom Shared Ownership apartment, featuring a bright open-plan kitchen, living and dining area that’s perfect for modern living. Each apartment benefits from underfloor heating throughout, Hyperoptic broadband availability, and a private balcony for your own outdoor space. The master bedroom comes complete with a fitted wardrobe and stylish en-suite, while higher floor apartments enjoy striking skyline views. With contemporary finishes and smart layouts, these homes balance comfort, style and convenience in every detail. Well Connected* Hounslow is ideal for commuters and culture lovers alike. The Hue offers excellent links to Central London while being surrounded by independent shops, cafés and restaurants.Hounslow Central Station - 6 min walk (Picadilly line)Hounslow Train Station - 11 min walk (South Western Railway)Heathrow Airport - 16 mins by TubeLondon Waterloo - 35 mins by trainPicadilly Circus - 38 mins by Tube Explore the green spaces & landmarks in the area Discover historic estates like Osterley Park and Syon Park, or unwind in the vast landscapes of Bushy Park, home to waterways, gardens and roaming deer. The area also offers Hounslow Heath and 10 local nature reserves, with the world-renowned Kew Gardens just a short journey away. Register your interest to find out more. *All times and distances have been taken from Google Maps All imagery is indicative only.

Shared ownership

OPEN DAY: 27th September 1000-1500

Rogerson Gardens

by Legal & General Affordable Homes

Preston, Lancashire, PR3 2AN

2 & 3 bedroom houses

£46,250 - £54,875 for a 25% share
£185,000 - £219,500 Full Market Value

OPEN DAY EVENT - Saturday 27th September 2025 Join us on Saturday 27th September between 10am - 3pm for an exclusive Shared Ownership open day at Rogerson Gardens, with your chance to view the final new 2 and 3 bedroom houses available now!Viewings are by appointment only so to secure your place please call us or register on the event page of our website.Final phase of 3 bed houses now released! Remarkable by Nature A collection of beautiful 2 & 3 bedroom Shared Ownership houses in the rural town of Whittingham, Lancashire.Surrounded by open fields with Whittingham Village and Longridge market town on hand Rogerson Gardens offers the perfect opportunity to get on the property ladder in a great location at an affordable price.Nearby Preston train station offers excellent rail connections across the country including regular services to Blackpool, Manchester, Lancaster and Liverpool. There are also excellent links to Glasgow, Edinburgh, Birmingham, the Lake District and London Euston. By road, you're perfectly placed for the M6 with quick access to the Lakes, Scotland and the Midlands, while the M55 takes you directly to Blackpool and the coast. The M65 also gives you a quick route across to Yorkshire.The nearest bus stop is a short walk away from your front door and there are regular bus services to Preston, Blackburn and the local area.Modern and energy efficient, the homes at Rogerson Gardens are spacious, clean and full of light. With ample space for a home office and large, private garden, you will instantly feel right at home. There is a village pub, Sainsbury's supermarket, primary school, post office and medical centre all within easy reach and the amenities of Preston are less than half an hour away.The final phase of 3 bed houses are expected to be available Autumn 2025, plots 70, 153 & 162 are available to move in now. Legal & General Affordable Homes is offering a unique opportunity to purchase a new home here through Shared Ownership. Thanks to this scheme, you can get on the property ladder sooner than you think with a lower deposit.For more information, please register or contact our Sales Consultant who will be delighted in helping you find your new homeAvailable to purchase from a 25% share Financial Breakdown:Full Market Value: £185,000 - £219,50025% Share Value: £46,250 - £54,8755% deposit of 25%: £2,313 - £2,744Rent on unowned share: £318 - £378Service Charge: £63.21 - £70.30Anticipated minimum household income for 2 bedroom houses: £22,270 - £23,426Anticipated minimum household income for 3 bedroom houses: £26,182 - £26,519Council Tax: TBC* Key Features:Great motorway connections to the M55 and M6Whittingham and Goosnargh Villages on your doorstepZanussi electric single oven, gas hob and stainless-steel chimney hoodPaved patio areaTurf to rear gardenTwo parking bays per propertyNHBC 10 Year Build Warranty For more information, please register or contact our Sales Consultant who will be delighted in helping you find your new home.WHAT IS SHARED OWNERSHIP?Shared Ownership is a more affordable way to have the security and stability of owning your own home. Shared Ownership is a government backed part buy/part rent scheme designed to help you take that first step on the property ladder. The scheme enables buyers to purchase a share of the value of the home - this is usually between 25 to 75 percent of the value of the property - and pay a subsidised rent on the remaining portion. You have the option to buy a bigger share in the property at a later date (known as Staircasing).Legal & General Affordable Homes are a Registered Provider offering these houses for sale on a Shared Ownership basis. We are creating communities to live, grow and flourish and are committed to removing the stress and anxiety associated with moving house, whilst delivering customer satisfaction and quality new homes.ELIGIBILITY CRITERIA:To be eligible for a home at Rogerson Gardens, you'll need to:Have a combined household income under £80,000 per annumNot already own a property, or part of a property, at the time of completing on your purchaseBe unable to purchase a suitable home to meet your housing needs on the open marketHave a minimum of £5,000 to cover the costs of buying a homeCustomers must have a Live/Work Connection criteria defined as the City of Preston, Chorley, Ribble Valley, South Ribble, Wyre & Fylde If you don't meet the eligibility criteria for this development, you may still qualify for a shared ownership purchase at one of our others, so take a look at our website for more information.*Council tax bands are often not released until the property is complete. If you need any guidance, please get in touch with our Sales Consultants otherwise the local authority or the developer may be able to help.Interior CGI representations, taken in actual Two & Three Bed Houses at Rogerson Gardens.

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: