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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

Scheme Type

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

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House Apartment

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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 Required

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

Number of Bathrooms

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Bedrooms

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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

85 Properties 85 Properties in Berkshire

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85 Properties

*Premium Listings appear first in results

Available now

| 1/6

2 bedroom apartment for sale

Heathfield House, Carpenters Close, RG14 5AR

West Berkshire

2 1 | Newbury Racecourse (0.3 miles)

This superb modern home is available to buy from as little as £106,000 with a 40% share!

Available

£106,000 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 £265,000 and a purchaser would not need to meet the eligibility criteria listed above.

Share percentage 40%, full price £265,000, £5,300 Min Deposit

Monthly Cost: £1,104
Rent £438, Service charge £90, Mortgage £576*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 40%

Deposit Min £5,300 £

Available now

| 1/10

3 bedroom house for sale

Regis Manor Road, RG7 3ZH

West Berkshire

3 1 | Mortimer (2.3 miles)

Semi-detached house with garden

Available

£212,500 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 £80,000 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 50%, full price £425,000, £10,625 Min Deposit

Monthly Cost: £1,792
Rent £575, Service charge £63, Mortgage £1,154*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 50%

Deposit Min £10,625 £

NOW SELLING | Deposits from £10,625 | Register now

Available now

| 1/10

2 bedroom apartment for sale

Sterling Gardens | Kings Road, RG14 5RQ

West Berkshire

2 1 | Newbury Racecourse (0.3 miles)

High specification two bedroom apartment with secure, allocated parking

Available

£76,250 Shared Ownership New Build · Eligibility Eligibility

Eligibility Info

You may be eligible for this property if:

You have a gross household income of no more than £80,000 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 25.00%, full price £305,000, £3,813 Deposit

Monthly Cost: £1,165
Rent £524, Service charge £227, Mortgage £414*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 10%

Deposit Min £1,525 £

Available now

| 1/10

2 bedroom apartment for sale

Sterling Gardens | Kings Road, RG14 5RQ

West Berkshire

2 2 | Newbury Racecourse (0.3 miles)

Spacious two bedroom apartment with secure, allocated parking

Available

£109,375 Shared Ownership New Build · Eligibility Eligibility

Eligibility Info

You may be eligible for this property if:

You have a gross household income of no more than £80,000 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 35.00%, full price £312,500, £5,469 Deposit

Monthly Cost: £1,298
Rent £465, Service charge £239, Mortgage £594*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 10%

Deposit Min £1,563 £

Available now

| 1/9

2 bedroom apartment for sale

Shilling Close, Tilehurst, Reading, RG30 4EW

Reading

2 1 | Reading West (1.1 miles)

A Fantastic Opportunity to Purchase a Two Bedroom Flat on a Shared Ownership (Part Buy/Part Rent) Basis

Available

£105,000 Shared Ownership Resale

Share percentage 50%, full price £210,000, £10,500 Min Deposit

Monthly Cost: £1,139
Rent £431, Service charge £187, Mortgage £521*

Calculated using a representative rate of 4.42%

Calculate estimated monthly costs

Share Min 50%

Deposit Min £10,500 £

Available now

| 1/9

2 bedroom apartment for sale

Craig House, Craig Avenue, Reading, RG30 2PF

Reading

2 1 | Reading West (1 miles)

A Fantastic Opportunity to Purchase a Two Bedroom Flat on a Shared Ownership (Part Buy/Part Rent) Basis

Available

£107,500 Shared Ownership Resale

Share percentage 50%, full price £215,000, £10,750 Min Deposit

Monthly Cost: £1,121
Rent £414, Service charge £174, Mortgage £533*

Calculated using a representative rate of 4.42%

Calculate estimated monthly costs

Share Min 50%

Deposit Min £10,750 £

Available now

1/10

2 bedroom apartment for sale

St Donats Place, Catherine Road, RG14 7ND

West Berkshire

2 2 | Newbury Station (0.1 miles)

Bright and spacious 2-bed second-floor apartment in Newbury

Available

£84,000 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 £80,000 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.
You live or work in West Berkshire - West Berkshire District

Share percentage 40%, full price £210,000, £4,200 Min Deposit

Monthly Cost: £948
Rent £394, Service charge £98, Mortgage £456*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 40%

Deposit Min £4,200 £

Under offer

| 1/12

1 bedroom apartment for sale

Ashdene Gardens, Reading, RG30 2EP

Reading

1 | Reading West (0.6 miles)

A 1 bed shared ownership property available in Reading, Berkshire

Under Offer

£76,000 Shared Ownership Resale

Share percentage 40%, full price £190,000, £3,800 Min Deposit

Monthly Cost: £1,056
Rent £496, Service charge £147, Mortgage £413*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 40%

Deposit Min £3,800 £

Available now

1/9

3 bedroom house for sale

Home Straight, RG14 7AX

West Berkshire

3 2 | Newbury Station (0.7 miles)

3 bedroom semi-detached home for resale

Available

£176,000 Shared Ownership Resale · Eligibility Eligibility

Eligibility Info

Who is it for?

As long as you are over 18
Your household income is less than £80,000
And you don’t already own a home at the time of buying your Shared Ownership property
… then Shared Ownership could be right for you

Some properties may be bound by local connection restrictions in order to make them affordable for local customers. We'll let you know if there are any restrictions in place when you are searching for a property.

Share percentage 40%, full price £440,000, £8,800 Min Deposit

Monthly Cost: £1,642
Rent £646, Service charge £40, Mortgage £956*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 40%

Deposit Min £8,800 £

Available now

| 1/16

2 bedroom apartment for sale

FLAT 24 Priory Point, Southcote Lane, RG30 3ES

Reading

2 1 | Reading West (0.6 miles)

Southern Housing are pleased to offer this stunning 2 bedroom apartment in Reading.

Available

£104,000 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 £80,000 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 40%, full price £260,000, £5,200 Min Deposit

Monthly Cost: £1,231
Rent £428, Service charge £238, Mortgage £565*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 40%

Deposit Min £5,200 £

Under offer

| 1/16

2 bedroom apartment for sale

Skelton Court, , RG30 2TZ

City of London

2 | Reading West (0.3 miles)

A 2 bed shared ownership property available in Reading, Berkshire

Under Offer

£132,500 Shared Ownership Resale

Share percentage 50%, full price £265,000, £13,250 Min Deposit

Monthly Cost: £1,172
Rent £411, Service charge £104, Mortgage £657*

Calculated using a representative rate of 4.42%

Calculate estimated monthly costs

Share Min 50%

Deposit Min £13,250 £

Available now

1/20

1 bedroom apartment for sale

FLAT 15, 7 Alleyne Close, Reading, RG1 7LZ

Reading

1 1 | Reading West (0.2 miles)

We are delighted to market this spacious one bedroom property.

Available

£112,500 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 £80,000 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 50%, full price £225,000, £5,625 Min Deposit

Monthly Cost: £1,023
Rent £290, Service charge £122, Mortgage £611*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 50%

Deposit Min £5,625 £

Available now

| 1/19

1 bedroom apartment for sale

Mayer House, Chatham Place, RG1 7AN

Reading

1 | Reading Station (0.4 miles)

A fantastic 1-bedroom apartment with a private balcony now available in Reading.

Available

£64,500 Shared Ownership Resale · Eligibility Eligibility

Eligibility Info

You may be eligible for this property if: You must be at least 18 years old. Your annual household income must be less than £80,000. You are unable to purchase a suitable home to meet your housing needs on the open market. You should generally be a first-time buyer. If you already own a property, you must be in the process of selling or have already sold it before you can apply. Please note that applicants will be expected to purchase the maximum share that is sustainable for them.

Share percentage 30%, full price £215,000, £6,450 Min Deposit

Monthly Cost: £1,102
Rent £545, Service charge £237, Mortgage £320*

Calculated using a representative rate of 4.42%

Calculate estimated monthly costs

Share Min 30%

Deposit Min £6,450 £

Under offer

| 1/7

2 bedroom house for sale

20 St Andrews Crescent, East Hagbourne, OX11 9LR

South Oxfordshire

2 | Didcot Parkway (1.4 miles)

LAST PLOT! A superb opportunity to purchase this BRAND NEW 2 bedroom semi-detached in the exceedingly popular Deanfield Green development in East Hagbourne, just outside Didcot. Available on a...

Under Offer

£141,000 Shared Ownership New Build

Share percentage 40%, full price £352,500, £14,100 Min Deposit

Monthly Cost: £1,194
Rent £485, Service charge £9, Mortgage £700*

Calculated using a representative rate of 4.42%

Calculate estimated monthly costs

Share Min 40%

Deposit Min £14,100 £

Under offer

| 1/16

3 bedroom apartment for sale

Katesgrove Lane, Reading, RG1 2ND

Reading

3 | Reading Station (0.6 miles)

A 3 bed shared ownership property available in Reading, Berkshire

Under Offer

£73,750 Shared Ownership Resale

Share percentage 25%, full price £295,000, £3,688 Min Deposit

Monthly Cost: £840
Rent £321, Service charge £118, Mortgage £401*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 25%

Deposit Min £3,688 £

Available now

| 1/6

1 bedroom apartment for sale

Thorney House, Drake Way, RG2 0GZ

Reading

1 1 | Reading West (1.8 miles)

This superb modern home is available to buy from as little as £74,000 with a 40% share!

Available

£74,000 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 £185,000 and a purchaser would not need to meet the eligibility criteria listed above.

Share percentage 40%, full price £185,000, £3,700 Min Deposit

Monthly Cost: £995
Rent £451, Service charge £142, Mortgage £402*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 40%

Deposit Min £3,700 £

Under offer

| 1/10

1 bedroom apartment for sale

Thorney House, , RG2 0GZ

City of London

1 | Reading West (1.8 miles)

A 1 bed shared ownership property available in Reading, Berkshire

Under Offer

£72,000 Shared Ownership Resale

Share percentage 40%, full price £180,000, £7,200 Min Deposit

Monthly Cost: £861
Rent £399, Service charge £105, Mortgage £357*

Calculated using a representative rate of 4.42%

Calculate estimated monthly costs

Share Min 40%

Deposit Min £7,200 £

Available now

| 1/18

2 bedroom apartment for sale

Thorney House, Drake Way, RG2 0GZ

Reading

2 | Reading West (1.8 miles)

A 2 bed shared ownership property available in Reading, Berkshire

Available

£102,000 Shared Ownership Resale

Share percentage 40%, full price £255,000, £5,100 Min Deposit

Monthly Cost: £1,280
Rent £548, Service charge £178, Mortgage £554*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 40%

Deposit Min £5,100 £

Available now

| 1/15

1 bedroom apartment for sale

Thorney House, Drake Way, RG2 0GZ

Reading

1 | Reading West (1.8 miles)

A 1 bed shared ownership property available in Reading, Berkshire

Available

£76,000 Shared Ownership Resale

Share percentage 40%, full price £190,000, £3,800 Min Deposit

Monthly Cost: £1,058
Rent £474, Service charge £171, Mortgage £413*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 40%

Deposit Min £3,800 £

Under offer

1/6

2 bedroom apartment for sale

Lundy House, Drake Way, RG2 0GQ

Reading

2 | Reading West (1.8 miles)

A well presented modern two bedroom first floor flat in good condition

Under Offer

£90,000 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 £80,000 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 40%, full price £225,000, £9,000 Min Deposit

Monthly Cost: £940
Rent £388, Service charge £105, Mortgage £447*

Calculated using a representative rate of 4.42%

Calculate estimated monthly costs

Share Min 40%

Deposit Min £9,000 £

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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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Peabody New Homes

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Sovereign Network Group

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Urban Moves

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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
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Intermediate Rent
First Homes scheme
Discount Full Ownership
Older Persons Shared Ownership
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