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Shared Ownership
The Shared Ownership scheme is designed to help first-time buyers purchase affordable new build houses. Find out how you can benefit from part buy part rent today.
Download your Shared Ownership Scheme guide
Feeling lost on Shared Ownership? Download our free guide for all the information you need on the Shared Ownership Scheme. We have collaborated with our friends at Share to Buy to give you all the facts you'll need to make that all important decsion. 

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Shared Ownership Scheme Guide

What is Shared Ownership?
What is Shared Ownership?
Shared Ownership (or Help to Buy: Shared Ownership, to give it its full name) is aimed at buyers unable to afford to purchase a home on the open market.

This scheme is also hugely relevant to first-time buyers in London considering London high property prices.

You begin with buying a percentage of the property using a deposit, and pay rent on the remainder...

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Does stamp duty apply to Shared Ownership?
There are two ways of paying stamp duty on a Shared Ownership home but here’s a summary of the two options...

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Does stamp duty apply to Shared Ownership?

What is the difference between Shared Ownership and shared equity?
What is the difference between Shared Ownership and shared equity? 
Shared Ownership and shared equity may sound alike but are actually very different schemes. Both schemes are aimed at people who cannot afford to buy a home on the open market.


Which scheme is most suitable for you depends on your circumstances, where you hope to buy, and your income. With both schemes, you should do your calculations carefully before committing to a purchase...

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Will you ever fully own the property?
Buying an increased share of your home – known as staircasing – depends on whether you want to and whether you can afford it, there’s no obligation.

You can find out more details about staircasing in our guide...

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Fully owning your Shared Ownership property

Selling a Shared Ownership home
Selling your Shared Ownership home
Selling your Shared Ownership property, whether you own all of it or only part of the home, is slightly more complicated than selling a property on the open market.

It's not as simple as having your home valued and appointing an agent. The first step is to contact your housing provider and inform them in writing of your intention to sell...

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Is Shared Ownership available for older people?
Most older buyers would think that they are automatically ruled out of shared ownership schemes, but that isn't the case. You must be 55 or over to qualify for the Older Person's Shared Ownership scheme, not own another property, and be able to meet the mortgage payments.

This scheme is specifically designed for older buyers, and works in much the same way as the regular system...

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Shared Ownership for older people

Shared Ownership homes by area
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FAQ
How does Shared Ownership help first-time buyers?
Case Studies
Roselle, Marty and their two children
11 June 2019
Roselle and Marty Sazon started their Shared Ownership journey with L&Q in 2011, and have now managed to staircase to full ownership...
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Alex in his new home at The Levers (Peabody)
28 May 2019
At age 23, business consultant Alex strikes out on his own with his first property purchase in Elephant & Castle...

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Susan in her new home
7 May 2019
Stepping onto the property ladder with Shared Ownership and Hyde New Homes...
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Recent News
Arcot Grange (Arcot Grange Developments Limited)
24 June 2019
The WhatHouse? team takes a look at its favourite current new build developments in the north-eastern counties of England...
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Elwick Grove (Bellway Homes)
20 June 2019
Our weekly report on the latest launches, events and special offers for buyers of new homes across the UK... 
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Ladden Garden Village (David Wilson Homes)
13 June 2019
Our weekly report on the latest launches, events and special offers for buyers of new homes across the UK...
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