Homes in Stirling

Share to Buy is the UK’s biggest and best-established affordable homeownership property portal, making it the ideal website for first time buyers and those looking to find a new home.

We have been a specialist portal dedicated to affordable home-buying schemes in England for well over a decade, but have recently expanded into Scotland, offering affordable homes through tenures such as Shared Ownership and New Supply Shared Equity (NSSE). Our goal is to inspire, guide and empower budding buyers facing challenges in today’s housing market.

Using our property search tool, you can search for homes that fit your needs with filters such as location, number of bedrooms, monthly outgoings, deposit amount and more.

We also serve as an independent, educational resource for budding buyers with FAQs, guides, interactive mortgage tools, live events, and access to specialist mortgage brokers and conveyancing panels.

It’s time to find your space.

In Scotland, is a government scheme that allows buyers to purchase a 25%, 50% or 75% share in a property, while paying an Occupancy Charge to a housing association on the remainder that they own. The scheme gives priority to:

• First time buyers with limited housing alternatives.
• Members of the armed forces.
• Veterans who have left the armed forces within the past two years.
• Widows, widowers and other partners of service personnel for up to two years after their partner lost their life while serving.
• Public sector tenants.
• Families on low incomes.
• Disabled people.

For Shared Ownership in England, please visit our tenure hub here.

The NSSE housing scheme provides eligible buyers who can’t afford to buy on the open market with the opportunity to purchase a new-build home from a housing association or local council. You’ll buy a share of the home, usually between 60% and 80%, with the Scottish Government owning the remaining share through a Shared Equity agreement. So, if you purchase 60% of the property, the Scottish Government would hold the other 40%.

This scheme is open to first time buyers and previous homeowners who have experienced a significant change in their circumstances, i.e. the breakdown of a marriage. The government-backed scheme is also available to certain priority groups, including:

• People aged 60 and over.
• Social renters (people who rent from the council or a housing association).
• Disabled people.
• Members of the armed forces.
• Veterans who have left the armed forces within the past two years.
• Widows, widowers and other partners of service personnel for up to two years after their partner lost their life while serving.

For Shared Equity in England, please visit our tenure hub here.

Shared Ownership is available on both new-build and resale homes. Resales are pre-loved properties that you can purchase through the Shared Ownership scheme, where the current shared owner is selling.

No – although this is a common misconception! The ‘shared’ element of the scheme simply means you’re sharing ownership of your home with a housing association. If you decide to buy a Shared Ownership home in Scotland, you’re effectively purchasing a portion of a property. Your initial share will usually be between 25% and 75%, paying a mortgage on the part that you own and an Occupancy Charge on the remainder.