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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?
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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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Wheelchair accessible?

Yes

Availability

Available Under offer Coming soon

Full Market Price

Minimum Share Available (%)

Pets Allowed?

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Refine your Search for Properties

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

Number of Bathrooms

228 Properties 228 Properties in Hertfordshire

*Premium Listings appear first in results

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228 Properties

*Premium Listings appear first in results

Available now

| 1/16

1 bedroom apartment for sale

2 Lynde Lodge, Butterwick Way, AL6 9GN

Welwyn Hatfield

1 1 | Welwyn North (1.4 miles)

Located in an attractive development within Wilshere Park

Available

£120,000 Shared Ownership Resale

Share percentage 40%, full price £300,000, £12,000 Min Deposit

Monthly Cost: £1,157
Rent £537, Service charge £25, Mortgage £595*

Calculated using a representative rate of 4.42%

Calculate estimated monthly costs

Share Min 40%

Deposit Min £12,000 £

Available now

1/17

1 bedroom apartment for sale

2 Lynde Lodge, Butterwick Way, AL6 9GN

Welwyn Hatfield

1 1 | Welwyn North (1.4 miles)

1 bedroom apartment in Welwyn now available through Shared Ownership

Available

£120,000 Shared Ownership Resale · Eligibility Eligibility

Eligibility Info

The GLA and Homes England set the eligibility criteria for Shared Ownership, but broadly speaking you must:

Not own another property in the UK or any other country.
Have a household income that falls below £90,000 (£80,000 threshold outside the M25). Every property will have a minimum income level too, determined by its’ value, rent and service charge costs. In most cases you will need to meet or exceed the given minimum income.
Have access to a minimum deposit of 10% of the share being purchased (a minimum deposit of 5% of the share being purchased may be acceptable depending on individual financial status).
Be in full time permanent employment.
Be a British, EU or EEA Citizen or have indefinite leave to remain in the UK.
Have a good credit history.

Share percentage 40%, full price £300,000, £6,000 Min Deposit

Monthly Cost: £1,214
Rent £537, Service charge £25, Mortgage £652*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 40%

Deposit Min £6,000 £

Under offer

| 1/19

1 bedroom apartment for sale

Waldorf House, Bessemer Road, AL7 1GH

Hertfordshire

1 | Welwyn Garden City (0.4 miles)

A 1 bed shared ownership property available in Welwyn Garden City, Hertfordshire

Under Offer

£120,000 Shared Ownership Resale

Share percentage 50%, full price £240,000, £6,000 Min Deposit

Monthly Cost: £1,196
Rent £392, Service charge £152, Mortgage £652*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 50%

Deposit Min £6,000 £

Available now

| 1/12

1 bedroom apartment for sale

Liberty House, Bessemer Road, AL7 1FU

Hertfordshire

1 | Welwyn Garden City (0.3 miles)

A 1 bed shared ownership property available in Welwyn Garden City, Hertfordshire

Available

£187,500 Shared Ownership Resale

Share percentage 75%, full price £250,000, £9,375 Min Deposit

Monthly Cost: £1,364
Rent £192, Service charge £153, Mortgage £1,019*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 75%

Deposit Min £9,375 £

Available now

| 1/17

2 bedroom apartment for sale

Liberty House, Bessemer Road, AL7 1FU

Hertfordshire

2 | Welwyn Garden City (0.3 miles)

A 2 bed shared ownership property available in Welwyn Garden City, Hertfordshire

Available

£195,000 Shared Ownership Resale

Share percentage 65%, full price £300,000, £9,750 Min Deposit

Monthly Cost: £1,560
Rent £330, Service charge £171, Mortgage £1,059*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 65%

Deposit Min £9,750 £

Available now

| 1/19

3 bedroom apartment for sale

Gilbert House, Studio Way, AL7 3FJ

Hertfordshire

3 | Welwyn Garden City (0.1 miles)

A 3 bed shared ownership property available in Welwyn Garden City, Hertfordshire

Available

£114,750 Shared Ownership Resale

Share percentage 25%, full price £459,000, £5,738 Min Deposit

Monthly Cost: £1,689
Rent £887, Service charge £179, Mortgage £623*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 25%

Deposit Min £5,738 £

Available now

| 1/18

1 bedroom apartment for sale

Huntington House, Broadwater Road, AL7 3FG

Hertfordshire

1 | Welwyn Garden City (0.1 miles)

A 1 bed shared ownership property available in Welwyn Garden City, Hertfordshire

Available

£148,500 Shared Ownership Resale

Share percentage 55%, full price £270,000, £7,425 Min Deposit

Monthly Cost: £1,269
Rent £335, Service charge £127, Mortgage £807*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 55%

Deposit Min £7,425 £

Available now

| 1/8

2 bedroom apartment for sale

Woolworth House, Bessemer Road, AL7 1GR

Welwyn Hatfield

2 1 | Welwyn Garden City (0.4 miles)

This superb modern home is available to buy from as little as £238,000 with a 70% share!

Available

£238,000 Shared Ownership Resale · Eligibility Eligibility

Eligibility Info

ELIGIBILITY

Shared Ownership gives first time buyers and those that do not currently own a home the opportunity to purchase a share in a new build or resales leasehold property. The purchaser pays a mortgage on the share they own and pays rent to a housing association on the remaining share. The combined mortgage and rent is usually less than you’d expect to pay if you bought a similar property outright although this is not a guarantee.

To be eligible for shared ownership you would need to meet the following criteria:

• Your annual household income does not exceed £80,000
• You have a deposit of at least 5% of the share value
• You do not own another property or have your name on the deeds or a mortgage for a property worldwide.
• This will be your only residence.
• You are a permanent UK resident or have indefinite right to remain.

*Service charges are estimated and may subject to change. Rent and service charges will be reviewed annually by your housing provider, usually on 1st April each year.

** This home can also be purchased outright (100% of the value) which is £340,000 and a purchaser would not need to meet the eligibility criteria listed above.

Share percentage 70%, full price £340,000, £11,900 Min Deposit

Monthly Cost: £1,743
Rent £295, Service charge £155, Mortgage £1,293*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 70%

Deposit Min £11,900 £

Under offer

| 1/14

1 bedroom apartment for sale

Bessemer Road, Welwyn Garden City, AL7 1GS

Hertfordshire

1 | Welwyn Garden City (0.4 miles)

A 1 bed shared ownership property available in Welwyn Garden City, Hertfordshire

Under Offer

£73,500 Shared Ownership Resale

Share percentage 35%, full price £210,000, £3,675 Min Deposit

Monthly Cost: £1,010
Rent £471, Service charge £140, Mortgage £399*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 35%

Deposit Min £3,675 £

Under offer

| 1/15

2 bedroom apartment for sale

Huntington House, Broadwater Road, AL7 3FG

Hertfordshire

2 | Welwyn Garden City (0.1 miles)

A 2 bed shared ownership property available in Welwyn Garden City, Hertfordshire

Under Offer

£93,750 Shared Ownership Resale

Share percentage 25%, full price £375,000, £4,688 Min Deposit

Monthly Cost: £1,377
Rent £723, Service charge £145, Mortgage £509*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 25%

Deposit Min £4,688 £

Under offer

| 1/16

2 bedroom apartment for sale

Hudson House, , AL7 1GT

Hertfordshire

2 | Welwyn Garden City (0.4 miles)

A 2 bed shared ownership property available in Welwyn Garden City, Hertfordshire

Under Offer

£85,000 Shared Ownership Resale

Share percentage 25%, full price £340,000, £8,500 Min Deposit

Monthly Cost: £1,064
Rent £580, Service charge £62, Mortgage £422*

Calculated using a representative rate of 4.42%

Calculate estimated monthly costs

Share Min 25%

Deposit Min £8,500 £

Under offer

| 1/11

1 bedroom apartment for sale

Empire House, Bessemer Road, AL7 1FY

Hertfordshire

1 | Welwyn Garden City (0.4 miles)

A 1 bed shared ownership property available in Welwyn Garden City, Hertfordshire

Under Offer

£80,000 Shared Ownership Resale

Share percentage 40%, full price £200,000, £4,000 Min Deposit

Monthly Cost: £850
Rent £314, Service charge £101, Mortgage £435*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 40%

Deposit Min £4,000 £

Available now

| 1/10

2 bedroom apartment for sale

Empire House, Bessemer Road, AL7 1FY

Welwyn Hatfield

2 2 | Welwyn Garden City (0.4 miles)

This superb modern home is available to buy from as little as £119,000 with a 35% share!

Available

£119,000 Shared Ownership Resale · Eligibility Eligibility

Eligibility Info

ELIGIBILITY

Shared Ownership gives first time buyers and those that do not currently own a home the opportunity to purchase a share in a new build or resales leasehold property. The purchaser pays a mortgage on the share they own and pays rent to a housing association on the remaining share. The combined mortgage and rent is usually less than you’d expect to pay if you bought a similar property outright although this is not a guarantee.

To be eligible for shared ownership you would need to meet the following criteria:

• Your annual household income does not exceed £80,000
• You have a deposit of at least 5% of the share value
• You do not own another property or have your name on the deeds or a mortgage for a property worldwide.
• This will be your only residence.
• You are a permanent UK resident or have indefinite right to remain.

*Service charges are estimated and may subject to change. Rent and service charges will be reviewed annually by your housing provider, usually on 1st April each year.

** This home can also be purchased outright (100% of the value) which is £340,000 and a purchaser would not need to meet the eligibility criteria listed above.

Share percentage 35%, full price £340,000, £5,950 Min Deposit

Monthly Cost: £1,504
Rent £689, Service charge £169, Mortgage £646*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 35%

Deposit Min £5,950 £

Under offer

| 1/12

1 bedroom apartment for sale

Waldorf House, , AL7 1GH

Hertfordshire

1 | Welwyn Garden City (0.4 miles)

A 1 bed shared ownership property available in Welwyn Garden City, Hertfordshire

Under Offer

£87,500 Shared Ownership Resale

Share percentage 35%, full price £250,000, £8,750 Min Deposit

Monthly Cost: £909
Rent £389, Service charge £86, Mortgage £434*

Calculated using a representative rate of 4.42%

Calculate estimated monthly costs

Share Min 35%

Deposit Min £8,750 £

Under offer

1/10

1 bedroom apartment for sale

Liberty House, Bessemer Road, AL7 1FU

Hertfordshire

1 | Welwyn Garden City (0.4 miles)

A 1 bed shared ownership property available in Welwyn Garden City, Hertfordshire

Under Offer

£73,500 Shared Ownership Resale

Share percentage 35%, full price £210,000, £3,675 Min Deposit

Monthly Cost: £828
Rent £366, Service charge £63, Mortgage £399*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 35%

Deposit Min £3,675 £

Available now

| 1/9

1 bedroom apartment for sale

Liberty House, Bessemer Road, AL7 1FU

Welwyn Hatfield

1 1 | Welwyn Garden City (0.4 miles)

This superb modern home is available to buy from as little as £86,000 with a 40% share!

Available

£86,000 Shared Ownership Resale · Eligibility Eligibility

Eligibility Info

ELIGIBILITY

Shared Ownership gives first time buyers and those that do not currently own a home the opportunity to purchase a share in a new build or resales leasehold property. The purchaser pays a mortgage on the share they own and pays rent to a housing association on the remaining share. The combined mortgage and rent is usually less than you’d expect to pay if you bought a similar property outright although this is not a guarantee.

To be eligible for shared ownership you would need to meet the following criteria:

• Your annual household income does not exceed £80,000.
• You have a deposit of at least 5% of the share value.
• You do not own another property or have your name on the deeds or a mortgage for a property worldwide.
• This will be your only residence.
• You are a permanent UK resident or have indefinite right to remain.

*Service charges are estimated and may subject to change. Rent and service charges will be reviewed annually by your housing provider, usually on 1st April each year.

** This home can also be purchased outright (100% of the value) which is £215,000 and a purchaser would not need to meet the eligibility criteria listed above.

Share percentage 40%, full price £215,000, £4,300 Min Deposit

Monthly Cost: £1,052
Rent £446, Service charge £139, Mortgage £467*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 40%

Deposit Min £4,300 £

Under offer

| 1/15

2 bedroom apartment for sale

Dakota House, , AL7 1GJ

Hertfordshire

2 | Welwyn Garden City (0.5 miles)

A 2 bed shared ownership property available in Welwyn Garden City, Hertfordshire

Under Offer

£119,000 Shared Ownership Resale

Share percentage 35%, full price £340,000, £5,950 Min Deposit

Monthly Cost: £1,356
Rent £592, Service charge £118, Mortgage £646*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 35%

Deposit Min £5,950 £

Available now

| 1/13

1 bedroom apartment for sale

Dakota House, Bessemer Road, AL7 1GJ

Hertfordshire

1 | Welwyn Garden City (0.5 miles)

A 1 bed shared ownership property available in Welwyn Garden City, Hertfordshire

Available

£183,750 Shared Ownership Resale

Share percentage 75%, full price £245,000, £9,188 Min Deposit

Monthly Cost: £1,331
Rent £198, Service charge £135, Mortgage £998*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 75%

Deposit Min £9,188 £

Available now

| 1/16

2 bedroom apartment for sale

Dakota House, Bessemer Road, AL7 1GJ

Hertfordshire

2 | Welwyn Garden City (0.5 miles)

A 2 bed shared ownership property available in Welwyn Garden City, Hertfordshire

Available

£85,000 Shared Ownership Resale

Share percentage 25%, full price £340,000, £4,250 Min Deposit

Monthly Cost: £1,347
Rent £732, Service charge £153, Mortgage £462*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 25%

Deposit Min £4,250 £

Available now

| 1/15

2 bedroom apartment for sale

Dakota House, Bessemer Road, AL7 1GJ

Hertfordshire

2 | Welwyn Garden City (0.5 miles)

A 2 bed shared ownership property available in Welwyn Garden City, Hertfordshire

Available

£120,750 Shared Ownership Resale

Share percentage 35%, full price £345,000, £6,038 Min Deposit

Monthly Cost: £1,436
Rent £669, Service charge £111, Mortgage £656*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 35%

Deposit Min £6,038 £

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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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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

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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
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