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Shared Ownership
Access all you need to know about the country's biggest affordable homeownership scheme.

Shared Ownership is a well-established affordable homeownership product designed to help eligible buyers onto the property ladder. Buyers purchase a share of a leasehold property and rent the remaining share from a housing provider. In time, the shared owner can choose to buy more shares in their home.
Shared Ownership: What is it and how does it work?
Buying schemes
Learn about the home-buying, rental and saving schemes that can help you on your path to homeownership.
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Buying schemes

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Shared Ownership New Build Shared Ownership Resale Older Persons Shared Ownership Discount Market Sale Discount Full Ownership Shared Equity Your Home First Homes Deposit Unlock Older Person Shared Ownership Resale

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Intermediate Rent Rent to Save Rent to Buy London Living Rent Discount Market Rent

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Flat Duplex Penthouse Ground Floor Maisonette Maisonette Ground Floor Flat

Parking required?

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Available Under offer Coming soon

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Scheme Type

Shared Ownership New Build Shared Ownership Resale Older Persons Shared Ownership Discount Market Sale Discount Full Ownership Shared Equity Your Home First Homes Deposit Unlock Older Person Shared Ownership Resale

Scheme Type

Intermediate Rent Rent to Save Rent to Buy London Living Rent Discount Market Rent

Property Type

House Apartment

Property Sub Type

Terraced House Semi-Detached House Detached House Bungalow End Of Terrace Town House Coach House Link House

Property Sub Type

Flat Duplex Penthouse Ground Floor Maisonette Maisonette Ground Floor Flat

Parking required?

Yes

Wheelchair accessible?

Yes

Availability

Available Under offer Coming soon

Full Market Price

Minimum Share Available (%)

Pets Allowed?

Yes

Outside Space/Garden Required?

Yes

Outside Space/Garden Required

Private Garden Private Balcony Communal Garden Communal Terrace Back Garden Enclosed Garden Front Garden Rear Garden Terrace Patio

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79 Properties 79 Properties

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79 Properties

*Premium Listings appear first in results

PA Housing is an award winning provider of affordable, quality homes, but our business is about more than property – it’s about people. We aim to put our residents at the centre of everything we do and offer first class servi...

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Available now

| 1/6

2 bedroom apartment for sale

Vauxhall Stack | Graphite Square, SE11 5EE

Lambeth

2 1 | Vauxhall (0.3 miles)

Stylish new two bedroom apartment in the heart of Vauxhall with access to a podium garden

Available

£202,500 Shared Ownership New Build

Share percentage 25%, full price £810,000, £10,125 Min Deposit

Monthly Cost: £2,351
Rent £759, Service charge £492, Mortgage £1,100*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 25%

Deposit Min £10,125 £

Just Launched!

Under offer

| 1/7

2 bedroom apartment for sale

Laurelwood | Laurelwood Place, Felix Road, KT12 2TD

Elmbridge

2 1 | Walton-On-Thames (1.3 miles)

Stylish new two bedroom apartment with leisure activities within easy reach nestled near the River Thames.

Under Offer

£37,500 Shared Ownership New Build

Share percentage 10.00%, full price £375,000, £1,875 Deposit

Monthly Cost: £1,125
Rent £773, Service charge £148, Mortgage £204*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 10%

Deposit Min £1,875 £

Currently offering £1,000 cash back! T&Cs apply.

Available now

| 1/5

2 bedroom apartment for sale

Oxshott Green | Webster Close, KT22 0SF

Elmbridge

2 1 | Oxshott (0.5 miles)

Stunning new 2-Bed apartment nestled in a leafy cul-de-sac benefitting from an allocated parking space.

Available

£41,000 Shared Ownership New Build

Share percentage 10.00%, full price £410,000, £2,050 Deposit

Monthly Cost: £1,255
Rent £846, Service charge £186, Mortgage £223*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 10%

Deposit Min £2,050 £

Available now

1/14

1 bedroom apartment for sale

16 Balham New Road, Balham, SW12 9PG

Wandsworth

1 1 | Balham (0.3 miles)

One bedroom apartment on the second/top floor now available

Available

£199,500 Shared Ownership Resale

Share percentage 42%, full price £475,000, £19,950 Min Deposit

Monthly Cost: £1,345
Rent £181, Service charge £174, Mortgage £990*

Calculated using a representative rate of 4.42%

Calculate estimated monthly costs

Share Min 42%

Deposit Min £19,950 £

Available now

1/17

1 bedroom apartment for sale

Samuel Johnson House, 110 Rectory Field Crescent, SE7 7EN

Greenwich

1 1 | Charlton (0.7 miles)

One bedroom apartment on second floor

Available

£170,500 Shared Ownership Resale · Eligibility Eligibility

Eligibility Info

You may be eligible for this property if:

You have a gross household income of no more than £90,000 per annum.
You are unable to purchase a suitable home to meet your housing needs on the open market.
You do not already own a home or you will have sold your current home before you purchase or rent.

Share percentage 55%, full price £310,000, £17,050 Min Deposit

Monthly Cost: £1,448
Rent £459, Service charge £143, Mortgage £846*

Calculated using a representative rate of 4.42%

Calculate estimated monthly costs

Share Min 55%

Deposit Min £17,050 £

Available now

1/8

2 bedroom apartment for sale

Dove Place, Claygate, KT10 0LD

Elmbridge

2 1 | Claygate (0.9 miles)

Two Bedroom First Floor Apartment Available Now

Available

£200,000 Shared Ownership Resale

Share percentage 50%, full price £400,000, £10,000 Min Deposit

Monthly Cost: £1,717
Rent £496, Service charge £134, Mortgage £1,087*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 50%

Deposit Min £10,000 £

Available now

1/15

1 bedroom apartment for sale

Austen House, Station View, GU1 4AN

Guildford

1 1 | Guildford Station (0.3 miles)

One Bedroom Flat on Third Floor

Available

£85,750 Shared Ownership Resale

Share percentage 35%, full price £245,000, £4,288 Min Deposit

Monthly Cost: £1,144
Rent £555, Service charge £123, Mortgage £466*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 35%

Deposit Min £4,288 £

Available now

1/15

2 bedroom apartment for sale

Lambert Court, Railton Close, KT13 0GF

Elmbridge

2 1 | Weybridge (0.4 miles)

Modern 2 Bedroom Ground Floor Apartment in Weybridge, Surrey

Available

£112,000 Shared Ownership Resale · Eligibility Eligibility

Eligibility Info

Eligibility Criteria for Shared Ownership

To qualify for a Shared Ownership home, there are a few key requirements you need to meet:

- Age: You must be at least 18 years old.
- Income: If you live outside of London, your total household income must be less than £80,000 per year. In London, the income cap is £90,000 per year.
- Property Ownership: You cannot currently own another home. Shared Ownership is mainly for first-time buyers, but if you do own a property (in the UK or abroad), you need to be in the process of selling it.
- Affordability: You should not be able to afford to buy a suitable home on the open market.
- Financial History: You must have a good credit history, with no outstanding debts or County Court Judgements (CCJs), and show that you can afford the payments and costs involved.
- Deposit & Costs: Typically, you’ll need a deposit of 5-10% of the share you're purchasing and access to around £4,000 to cover additional costs like legal fees and surveys, although this figure can vary.

Who Gets Priority for Shared Ownership?

Shared Ownership is available to anyone who meets the eligibility criteria, including first-time buyers, people looking to move up, downsize, or relocate. While there are no priority groups in areas where Shared Ownership homes are in short supply, military personnel and former members of the Armed Forces (discharged within the last two years) are given priority under government schemes.

In some cases, local authorities may require that applicants who live or work in the area be given preference, depending on local planning policies.

Affordability & Eligibility Check

Each applicant will need to complete an affordability and eligibility check with an independent mortgage advisor. Once you submit an enquiry, we will send you a link to start this process.

Share percentage 35%, full price £320,000, £11,200 Min Deposit

Monthly Cost: £1,394
Rent £612, Service charge £226, Mortgage £556*

Calculated using a representative rate of 4.42%

Calculate estimated monthly costs

Share Min 35%

Deposit Min £11,200 £

Available now

1/10

2 bedroom apartment for sale

5 Ambrose House, 2 Chambers Park Hill, SW20 0NX

Merton

2 1 | Raynes Park (0.7 miles)

Modern Two Bedroom Apartment in Wimbledon with allocated parking

Available

£180,000 Shared Ownership Resale

Share percentage 25%, full price £720,000, £9,000 Min Deposit

Monthly Cost: £2,639
Rent £1,371, Service charge £290, Mortgage £978*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 25%

Deposit Min £9,000 £

Available now

1/6

1 bedroom apartment for sale

New Malden House, 1 Blagdon Road, New Malden, KT3 4DZ

Kingston upon Thames

1 1 | New Malden (0.2 miles)

Modern One Bedroom Third Floor Flat Available Now

Available

£166,000 Shared Ownership Resale

Share percentage 40%, full price £415,000, £16,600 Min Deposit

Monthly Cost: £1,627
Rent £624, Service charge £179, Mortgage £824*

Calculated using a representative rate of 4.42%

Calculate estimated monthly costs

Share Min 40%

Deposit Min £16,600 £

Available now

1/18

2 bedroom apartment for sale

6 Pavilion Place, KT8 9FE

Elmbridge

2 1 | Hampton Court (0.7 miles)

Charming 2 bed first floor apartment with parking

Available

£112,500 Shared Ownership Resale

Share percentage 25%, full price £450,000, £11,250 Min Deposit

Monthly Cost: £1,789
Rent £1,038, Service charge £193, Mortgage £558*

Calculated using a representative rate of 4.42%

Calculate estimated monthly costs

Share Min 25%

Deposit Min £11,250 £

Available now

1/13

2 bedroom apartment for sale

Chenneston Close, Sunbury-on-Thames, TW16 6BE

Spelthorne

2 1 | Sunbury (0.2 miles)

Two Bedroom Ground Floor Flat Now Available on Shared Ownership

Available

£109,500 Shared Ownership Resale

Share percentage 30%, full price £365,000, £10,950 Min Deposit

Monthly Cost: £1,377
Rent £722, Service charge £112, Mortgage £543*

Calculated using a representative rate of 4.42%

Calculate estimated monthly costs

Share Min 30%

Deposit Min £10,950 £

Available now

1/12

2 bedroom house for sale

School View, Bottesford, NG13 0EW

Rushcliffe

2 1 | Bottesford (0.6 miles)

Two Bedroom Semi-Detached House Now Available

Available

£95,000 Shared Ownership Resale

Share percentage 50%, full price £190,000, £9,500 Min Deposit

Monthly Cost: £803
Rent £300, Service charge £32, Mortgage £471*

Calculated using a representative rate of 4.42%

Calculate estimated monthly costs

Share Min 50%

Deposit Min £9,500 £

Available now

1/11

2 bedroom apartment for sale

Francis Apartment, 163 Gideon Road, SW11 5ET

Wandsworth

2 2 | Queenstown Road (0.7 miles)

Well Presented Two Bedroom First Floor Apartment Now Available

Available

£123,750 Shared Ownership Resale

Share percentage 25%, full price £495,000, £12,375 Min Deposit

Monthly Cost: £1,484
Rent £535, Service charge £335, Mortgage £614*

Calculated using a representative rate of 4.42%

Calculate estimated monthly costs

Share Min 25%

Deposit Min £12,375 £

Available now

| 1/13

2 bedroom apartment for sale

Odyssey Square | 443a Brighton Road, CR2 6FZ

Croydon

2 2 | Purley Oaks (0.2 miles)

Stylish two bedroom apartment with a private winter garden, close to Purley Oaks station

Available

£111,875 Shared Ownership New Build

Share percentage 25%, full price £447,500, £5,594 Min Deposit

Monthly Cost: £1,446
Rent £769, Service charge £69, Mortgage £608*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 25%

Deposit Min £5,594 £

Show homes now available for viewings. Register your Interest Today!

Available now

| 1/11

1 bedroom apartment for sale

Odyssey Square | 443a Brighton Road, CR2 6FZ

Croydon

1 1 | Purley Oaks (0.2 miles)

Stunning new one bedroom apartment with private winter garden and allocated parking; close to Purley Oaks station.

Available

£82,500 Shared Ownership New Build

Share percentage 25%, full price £330,000, £4,125 Min Deposit

Monthly Cost: £1,083
Rent £567, Service charge £68, Mortgage £448*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 25%

Deposit Min £4,125 £

Show home now available for viewings!

Available now

| 1/9

1 bedroom apartment for sale

Lion Crescent | 56 Kingsbridge Crescent, UB1 2FN

Ealing

1 1 | Southall (1.1 miles)

One Bedroom Duplex Apartment

Available

£88,750 Shared Ownership New Build

Share percentage 25%, full price £355,000, £4,438 Min Deposit

Monthly Cost: £1,287
Rent £610, Service charge £195, Mortgage £482*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 25%

Deposit Min £4,438 £

Now offering £2,500 cash back! T&Cs apply.

Available now

| 1/5

1 bedroom apartment for sale

Sage Point | Sage Point, Pett Street, SE18 5BJ

Greenwich

1 1 | Surrey Quays (0.1 miles)

Stunning new one bedroom apartment close to the River Thames with access to a communal podium.

Available

£89,375 Shared Ownership New Build

Share percentage 25%, full price £357,500, £4,469 Min Deposit

Monthly Cost: £1,000
Rent £335, Service charge £179, Mortgage £486*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 25%

Deposit Min £4,469 £

Now Offering £1,000 Cash Back! T&Cs apply.

Under offer

1/12

2 bedroom house for sale

Sherman Avenue, Walton on Thames, KT12 2FN

Elmbridge

2 1 | Sunbury (1.5 miles)

Well presented two bedroom semi-detached house now available

Under Offer

£183,750 Shared Ownership Resale

Share percentage 35%, full price £525,000, £18,375 Min Deposit

Monthly Cost: £1,891
Rent £918, Service charge £61, Mortgage £912*

Calculated using a representative rate of 4.42%

Calculate estimated monthly costs

Share Min 35%

Deposit Min £18,375 £

Available now

1/11

2 bedroom apartment for sale

Goddard House, 2 Hansler Grove, KT8 9FG

Elmbridge

2 1 | Hampton Court (0.5 miles)

2 Bedroom, First Floor Apartment Available On Shared Ownership in East Molesey

Available

£170,000 Shared Ownership Resale · Eligibility Eligibility

Eligibility Info

Eligibility Criteria for Shared Ownership

To qualify for a Shared Ownership home, there are a few key requirements you need to meet:

Age: You must be at least 18 years old.
Income: If you live outside of London, your total household income must be less than £80,000 per year. In London, the income cap is £90,000 per year.
Property Ownership: You cannot currently own another home. Shared Ownership is mainly for first-time buyers, but if you do own a property (in the UK or abroad), you need to be in the process of selling it.
Affordability: You should not be able to afford to buy a suitable home on the open market.
Financial History: You must have a good credit history, with no outstanding debts or County Court Judgements (CCJs), and show that you can afford the payments and costs involved. - Deposit & Costs: Typically, you’ll need a deposit of 5-10% of the share you're purchasing and access to around £4,000 to cover additional costs like legal fees and surveys, although this figure can vary.

Who Gets Priority for Shared Ownership?

Shared Ownership is available to anyone who meets the eligibility criteria, including first-time buyers, people looking to move up, downsize, or relocate. While there are no priority groups in areas where Shared Ownership homes are in short supply, military personnel and former members of the Armed Forces (discharged within the last two years) are given priority under government schemes.
In some cases, local authorities may require that applicants who live or work in the area be given preference, depending on local planning policies.

Affordability & Eligibility Check

Each applicant will need to complete an affordability and eligibility check with an independent mortgage advisor. Once you submit an enquiry, we will send you a link to start this process.

Share percentage 40%, full price £425,000, £17,000 Min Deposit

Monthly Cost: £1,628
Rent £712, Service charge £73, Mortgage £843*

Calculated using a representative rate of 4.42%

Calculate estimated monthly costs

Share Min 40%

Deposit Min £17,000 £

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Featured Developers

The biggest names in Shared Ownership and first time buyers list their homes on Share to Buy. Check out more info about our Featured Developers below

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L&Q

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Imagine Living

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Abri Homes Resales

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Shared Ownership Resale

Shared Ownership Resales: Also known as part buy part rent on second hand homes, with this affordable home ownership scheme you purchase a share of the property and rent the remainder from the housing provider.

Shared Ownership New Build

Shared Ownership New Build: Also known as part buy part rent, with this affordable home ownership scheme you purchase a share of a brand new property and rent the remainder from the housing provider. The price shows the minimum share available, and the size of the share you purchase will depend on what you can afford.

Intermediate Rent

Affordable housing scheme: Intermediate Rent (pay a discounted rent)

Rent to Save

Affordable housing scheme: Rent to Save (pay a discounted rent).

Rent to save is designed to enable aspiring home-owners to move into the home they have chosen, even if they have not yet been able to save a sufficient mortgage deposit. As the rent will be at a lower than market rate, you will be able to save throughout the period of your tenancy.

Older Persons Shared Ownership

Affordable housing scheme: Older Persons Shared Ownership

For people aged 55 or over who are otherwise unable to afford to buy a home suitable to their needs. The scheme is similar to Shared Ownership and enables you to buy a share of 10-75% of the home or apartment.

Your Home

Affordable housing scheme: Your Home

Turn any freehold property into part-buy-part-rent with Your Home. You simply need 10% cash deposit on the full purchase price, there’s no need for a mortgage and you can buy more or move at any time plus added benefits. To find out more contact Heylo via the property page

Discount Market Sale

Affordable housing scheme: Discount Market Sale

Discount Market Sale (DMS) is a low cost home ownership product where a new build property is purchased at a discounted price. This discount is usually around 20% and the scheme is to help low and middle earners get onto the property ladder.

Help to Buy

Affordable housing scheme: Help to Buy equity loans (100% ownership but with a 20% equity loan)

Buy a new home on an approved new build development with assistance from the Government in the form of an equity loan. The equity loan is interest free for the first five years.

Shared Equity

Affordable housing scheme: Shared equity (100% ownership with a 50% – 75 % equity loan).

Buy a new home on an approved new build development with assistance from the housing provider in the form of an equity loan. The equity loan is interest and rent free.

Discount Full Ownership

Affordable housing scheme: Discount Full Ownership (100% ownership at a discount)

London Help to Buy

Affordable Housing Scheme: London Help to Buy equity loan (100% ownership with up to 40% loan)

Borrow up to 40% of the purchase price from the Government with the London Help to Buy scheme. You would only need a 5% deposit and your mortgage would make up the rest.

London Living Rent

London Living Rent is a type of affordable housing for middle-income Londoners. These homes offer lower rents, with the saving on the rent aimed to help you ave towards a deposit for your own home.

First Homes

First Homes is a scheme designed to help local first time buyers and key workers onto the property ladder, by offering homes at a discount of 30% compared to the market price. In some areas the discount could be as high as 50%.

Deposit Unlock

Deposit Unlock is a private scheme that allows you to buy a new-build home from participating home builders with just a 5% deposit. It’s been developed by the Home Builders Federation, with lenders and the house building industry.

Discount Market Rent

Affordable housing scheme: Discount Market Rent (pay a discounted rent)

Rent to Buy

Affordable housing scheme: Rent to Buy (pay a discounted rent).

Rent to Buy is designed to enable aspiring home-owners to rent a new-build home on an Intermediate Rent basis. The home will be let at up to 80% of the equivalent market rent, with a fixed rate of inflation, designed to help you save throughout the period of your tenancy.

Older Person Shared Ownership Resale

Affordable housing scheme: Older Persons Shared Ownership
For people aged 55 or over who are otherwise unable to afford to buy a home suitable to their needs. The scheme is similar to Shared Ownership and enables you to buy a share of 10-75% of the home or apartment.

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Shared Ownership

Shared Ownership: What is it and how does it work?
Shared Ownership: Eligibility and prioritisation
Shared Ownership: Costs and affordability
New Shared Ownership model
Step by step guide to buying a Shared Ownership home
Shared Ownership myth busting
Shared Ownership pros and cons
Shared Ownership: Buying shares and selling

Guides

Buyer checklist
How to start your property search
Choosing a new-build or resale home
Information about leasehold homes
Rent to Buy
Deposit Unlock
Own New Rate Reducer
Discount Market Sale
London Living Rent
Intermediate Rent
First Homes scheme
Discount Full Ownership
Older Persons Shared Ownership
HOLD

Buyer Tools

Property search
Mortgage hub
Mortgage affordability calculator
Mortgage comparison
Staircasing hub
Staircasing calculator
Buyers FAQs

Expert Help

Solicitors
Tembo: Lifetime ISAs and mortgage app
Censeo Financial: Specialist mortgage broker
Visionary Finance: Staircasing mortgages
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