Shared Ownership Week

We went to the London Home Show in April to ask people how they felt about the housing market and if shared ownership was right for them. What we found in everyone we spoke to, was a story.

What is
Shared Ownership?

Shared Ownership provides a smart and affordable way of buying a new or resale home. You purchase a share in a brand new property – usually a minimum of 25% of the home’s value – and pay a subsidised rent on the part you don’t own. In the future, if you wish, you can usually buy further shares until you own your home outright.

How does it work? Go to the next slide to find out! Swipe to the next slide to find out!

First you find a property that is eligible for the scheme

Why not try our easy to use shared ownership property finder?
Powered by Share to Buy.

Find a home

Next you look at buying a share of the home.

Usually a minimum of 25%.

Calculate your deposit based on the value of the share only!

If you’re purchasing a 25% share of a £500,000 home, you only need a deposit of 10% of that 25%. That’s £12,500 instead of £50,000 for the full value of the home.

Need help figuring out how much you need? Use our handy guides and calculators to get the right numbers.

Costs guide

Find a Shared Ownership mortgage and go through the application process

Finding the right mortgage can seem like a long process but it doesn’t need to be scary. We’ve put together a number of articles to help you get through this step of the process.

Mortgage guide

After moving in you can buy more shares in your home at any time through staircasing

Own your home outright by buying more shares over time as and when you can afford them. The end goal is owning 100% of your property!

Staircasing

Latest Shared Ownership
news & articles

Learn more about Share Ownership and its impact on people and the industry by reading some of our real-life stories or latest news articles.

The Property Pod – Ep 3 My Shared Ownership Journey

Discover Shared Ownership Through Legal & General Affordable Homes

The Property Pod – Ep 1 What is shared ownership?

Real stories from
Shared Ownership buyers

Discover real life stories of how people have fast-tracked the games and got two feet on the property ladder.

Through Shared Ownership, first-time buyer Daisy became part of a vibrant new community at a price she could afford

Buying your first home isn’t just about bricks, mortar and stylish interiors. It’s also about feeling part of your community, from finding your new local to meeting up with your neighbours. That is exactly what awaited Daisy at The Moorings from Legal & General Affordable Homes, where she found a brilliant place to live, all

“We are so happy with what we achieved” – Shared Ownership has first-time buyer Charlotte jumping for joy

For many first-time buyers, the journey to owning their first home is not a smooth one. But that couldn’t be further from the truth for first-time buyer Charlotte, who described finding her dream home as an “easy and quick” experience with Legal & General Affordable Homes. And that’s just one of the ways Shared Ownership

Frequently asked questions

As a home-buying newbie, your mind is probably racing with various questions about the process. For starters, what does Shared Ownership even mean? Don’t panic – we might have the answers you need.

What properties are for sale with shared ownership?

Shared Ownership provides some of the very best new build properties in the market today.

You have a choice to either buy a new build house or apartment, or you can buy what is called a ‘resales’ unit from an existing homeowner, who is looking to sell their home through the housing association that they originally bought it from.

For the largest list of properties available through Shared Ownership, see our find our home page

How do I buy more shares in my property?: You can buy more shares in your property through what is called staircasing. Start by buying 10% increments with the theory that one day you can have 100% ownership of your home.

What is staircasing?

Staircasing is the term used to buy more shares in your shared ownership property.

You can buy an additional percentage of your property at any point. Normally the minimum extra percentage you can buy is 10% at a time. Most people try to buy them in larger chunks as there are fees that you have to pay each time, so it can become quite expensive if you just buy 10% at a time. When you have staircased to 100% you will no longer have to pay any rent to the housing association.

For more detailed information read our ‘what is staircasing‘ page.

Read all FAQs

Explore Shared Ownership

Learn about
Shared Ownership

Find
your home

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We went to the London Home Show in April to ask people how they felt about the housing market and if shared ownership was right for them. What we found in everyone we spoke to, was a story.

What is
Shared Ownership?

First you find a property that is eligible for the scheme

Next you look at buying a share of the home.

Calculate your deposit based on the value of the share only!

Find a Shared Ownership mortgage and go through the application process

After moving in you can buy more shares in your home at any time through staircasing

Latest Shared Ownership
news & articles

The Property Pod – Ep 3 My Shared Ownership Journey

Discover Shared Ownership Through Legal & General Affordable Homes

The Property Pod – Ep 1 What is shared ownership?

Real stories from
Shared Ownership buyers

Through Shared Ownership, first-time buyer Daisy became part of a vibrant new community at a price she could afford

“We are so happy with what we achieved” – Shared Ownership has first-time buyer Charlotte jumping for joy

Frequently asked questions

We went to the London Home Show in April to ask people how they felt about the housing market and if shared ownership was right for them. What we found in everyone we spoke to, was a story.

What is Shared Ownership?

First you find a property that is eligible for the scheme

Next you look at buying a share of the home.

Calculate your deposit based on the value of the share only!

Find a Shared Ownership mortgage and go through the application process

After moving in you can buy more shares in your home at any time through staircasing

Latest Shared Ownership news & articles

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Real stories from Shared Ownership buyers

Frequently asked questions

What is
Shared Ownership?

Latest Shared Ownership
news & articles

Sign up now to receive all the latest updates and
access to videos from our past events

Real stories from
Shared Ownership buyers