66 results
Beck Gardens at Langley Court

Beck Gardens at Langley Court

Beckenham, Greater London, BR3 3FH

From £90,000

Southern Housing New Homes

Beauchamp Park

Beauchamp Park

Morpeth, Northumberland, NE61

From £178,500

L&Q

Blossomfield at Thorp Arch

Blossomfield at Thorp Arch

Wetherby, West Yorkshire, LS23 7BN

From £167,300

Latimer by Clarion Housing Group

Bowlers Green - Hopton-on-Sea

Bowlers Green - Hopton-on-Sea

Great Yarmouth, Norfolk, NR31 9AH

From £60,000

Bracken Park Shared

Bracken Park Shared

Louth, Lincolnshire, LN11 0AQ

From £149,497

Home Reach Flex

Bloor Homes at Elsenham Park

Bloor Homes at Elsenham Park

Bishop's Stortford, Essex, CM22

From £152,000

Bloor Homes

Brunswick House Shared

Brunswick House Shared

Brent, London, NW10 2UW

From £122,500

Latimer by Clarion Housing Group

Cavalier Court

Cavalier Court

Gillingham, Medway, ME4 4RX

From £54,000

Legal and General Affordable Homes Ltd

Colindale Gardens Shared

Colindale Gardens Shared

London, Greater London, NW9 4FT

From £95,000

Spicerhaart Land and New Homes

Clayton Le Woods

Clayton Le Woods

Leyland, Lancashire, PR25 5AT

From £138,000

Countrywide Shared Ownership

Cresta House Shared

Cresta House Shared

Luton, Luton, LU1 2EQ

From £176,250

Elderwood Grove Shared

Elderwood Grove Shared

Middlesbrough, Middlesbrough, TS8

From £77,000

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What is Shared Ownership?

Shared Ownership is a housing scheme in the UK aimed at assisting first-time buyers, or those who do not currently own a home, to get onto the property ladder. Participants purchase a portion of the property, usually between 25% and 75%, and pay rent on the remaining share to a housing association. This approach significantly reduces the upfront costs of buying a home, making it more accessible.

The scheme is especially beneficial for individuals and families who find the full purchase price of a home unaffordable but can manage smaller mortgage payments and a rent on a portion of the property. Buyers have the option to increase their ownership over time through a process known as staircasing, where they can purchase additional shares in their home until they own it outright. Each share purchase is based on the current market value of the property, which can change over time.

Shared Ownership properties are usually leasehold, and buyers must pay service charges for the maintenance of common areas and the building. Eligibility for the scheme typically depends on your income, employment status, and whether you're a first-time buyer or a previous homeowner who can't afford to buy now. The specific criteria can vary based on the local housing association's policies and the rules of the scheme.