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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

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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

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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

208 Properties for Sale 208 Properties for Sale in Cambridge

*Premium Listings appear first in results

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208 Properties

*Premium Listings appear first in results

Under offer

| 1/12

3 bedroom house for sale

Walnut Close, Landbeach, CB25 9GB

South Cambridgeshire

3 1 | Waterbeach (1.4 miles)

3-bedroom link-detached home now available through Shared Ownership resale!

Under Offer

£217,500 Shared Ownership Resale · Eligibility Eligibility

Eligibility Info

Please note that the maximum share available to purchase is 80% to ensure that affordable housing such as Shared Ownership remains available in the local area.

Share percentage 50%, full price £435,000, £21,750 Min Deposit

Monthly Cost: £1,471
Rent £362, Service charge £30, Mortgage £1,079*

Calculated using a representative rate of 4.42%

Calculate estimated monthly costs

Share Min 50%

Deposit Min £21,750 £

Available now

1/8

2 bedroom house for sale

54 Clarke Close,, Cottenham, CB24 8AU

South Cambridgeshire

2 2 | Waterbeach (3.8 miles)

Spacious, modern two bedroom end-terraced house with it's own allocated parking space! It's got a gorgeous yet easy to maintain garden and great layout for socialising or for a family home!

Available

£128,000 Shared Ownership Resale

Share percentage 40%, full price £320,000, £6,400 Min Deposit

Monthly Cost: £1,253
Rent £498, Service charge £60, Mortgage £695*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 40%

Deposit Min £6,400 £

Available now

1/10

3 bedroom house for sale

Cookes Field, CB25 9GP

South Cambridgeshire

3 2 | Waterbeach (0.8 miles)

Three bed semi detached house in the popular village of Waterbeach

Available

£255,000 Shared Ownership Resale

Share percentage 60%, full price £425,000, £25,500 Min Deposit

Monthly Cost: £1,753
Rent £448, Service charge £40, Mortgage £1,265*

Calculated using a representative rate of 4.42%

Calculate estimated monthly costs

Share Min 60%

Deposit Min £25,500 £

Under offer

| 1/13

2 bedroom house for sale

High Street, CB24 3BP

South Cambridgeshire

2 2 | Waterbeach (6.3 miles)

UNDER OFFER - 2-bed terrace house now available!

Under Offer

£75,000 Shared Ownership Resale

Share percentage 25%, full price £300,000, £3,750 Min Deposit

Monthly Cost: £1,008
Rent £576, Service charge £25, Mortgage £407*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 25%

Deposit Min £3,750 £

Available now

1/17

3 bedroom house for sale

6 Cambridge Road, CB22 3AF

South Cambridgeshire

3 2 | Shelford (2.5 miles)

This property is a three bedroom semi-detached house.

Available

£200,000 Shared Ownership Resale

Share percentage 50%, full price £400,000, £10,000 Min Deposit

Monthly Cost: £1,502
Rent £392, Service charge £23, Mortgage £1,087*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 50%

Deposit Min £10,000 £

Available now

| 1/20

3 bedroom house for sale

Heslerton Way, Barrington, CB22 7AA

South Cambridgeshire

3 1 | Foxton (1 miles)

Well-Presented Three-Bedroom Terraced Home in Barrington – Shared Ownership

Available

£170,000 Shared Ownership Resale · Eligibility Eligibility

Eligibility Info

Please note that the maximum share available to purchase is 80% to ensure that affordable housing such as Shared Ownership remains available in the local area.

Share percentage 40%, full price £425,000, £17,000 Min Deposit

Monthly Cost: £1,387
Rent £508, Service charge £36, Mortgage £843*

Calculated using a representative rate of 4.42%

Calculate estimated monthly costs

Share Min 40%

Deposit Min £17,000 £

Available now

| 1/10

2 bedroom house for sale

Green Lane, Northstowe, CB24 1EA

South Cambridgeshire

2 1 | Waterbeach (6.2 miles)

Available Now! 2 Bedroom mid terrace house in Northstowe, Cambridge- available to purchase through the Shared Ownership Scheme

Available

£93,000 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 30%, full price £310,000, £4,650 Min Deposit

Monthly Cost: £1,096
Rent £562, Service charge £29, Mortgage £505*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 30%

Deposit Min £4,650 £

Available now

| 1/5

1 bedroom apartment for sale

Pathfinder Way, Northstowe, CB24 1AY

South Cambridgeshire

1 1 | Waterbeach (6.3 miles)

This superb modern home is available to buy from as little as £102,500 with a 50% share!

Available

£102,500 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 £205,000 and a purchaser would not need to meet the eligibility criteria listed above.

Share percentage 50%, full price £205,000, £5,125 Min Deposit

Monthly Cost: £1,063
Rent £368, Service charge £138, Mortgage £557*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 50%

Deposit Min £5,125 £

Available now

| 1/10

2 bedroom apartment for sale

Capper Road, Waterbeach, CB25 9NZ

South Cambridgeshire

2 1 | Waterbeach (0.7 miles)

This superb modern home is available to buy from as little as £105,000 with a 50% share!

Available

£105,000 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 £210,000 and a purchaser would not need to meet the eligibility criteria listed above.

Share percentage 50%, full price £210,000, £5,250 Min Deposit

Monthly Cost: £1,134
Rent £388, Service charge £176, Mortgage £570*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 50%

Deposit Min £5,250 £

Available now

1/10

3 bedroom house for sale

Challis Close, CB22 3LT

South Cambridgeshire

3 2 | Whittlesford Parkway (1.2 miles)

Three bed modern terraced house in the sought after village of Sawston

Available

£200,000 Shared Ownership Resale

Share percentage 50%, full price £400,000, £20,000 Min Deposit

Monthly Cost: £1,628
Rent £572, Service charge £64, Mortgage £992*

Calculated using a representative rate of 4.42%

Calculate estimated monthly costs

Share Min 50%

Deposit Min £20,000 £

Available now

| 1/7

2 bedroom apartment for sale

Stonebond at Waterbeach | 1 Ely Road, CB25 9PG

South Cambridgeshire

2 1 | Waterbeach (1.9 miles)

Incredible opportunity to own this home at 80% of the open market value!

Available

£296,000 Discount Market Sale · Eligibility Eligibility

Eligibility Info

Incredible opportunity for local residents, those who work in Waterbeach or First Time Buyers living in South Cambridge to own a brand new home under the new government backed Discount Market Sale Scheme. You could own these homes for just 80% of the open market value.

Available now

| 1/7

3 bedroom apartment for sale

Stonebond at Waterbeach | 1 Ely Road, CB25 9PG

South Cambridgeshire

3 1 | Waterbeach (1.9 miles)

Incredible opportunity to own this home at 80% of the open market value!

Available

£328,000 Discount Market Sale · Eligibility Eligibility

Eligibility Info

Incredible opportunity for local residents, those who work in Waterbeach or First Time Buyers living in South Cambridge to own a brand new home under the new government backed Discount Market Sale Scheme. You could own these homes for just 80% of the open market value.

Available now

1/23

3 bedroom house for sale

Ox Meadow, CB25 9FL

East Cambridgeshire

3 2 | Waterbeach (3.9 miles)

Three storey three bed townhouse in the sought after village of Bottisham

Available

£172,500 Shared Ownership Resale

Share percentage 50%, full price £345,000, £17,250 Min Deposit

Monthly Cost: £1,389
Rent £459, Service charge £74, Mortgage £856*

Calculated using a representative rate of 4.42%

Calculate estimated monthly costs

Share Min 50%

Deposit Min £17,250 £

Available now

| 1/2

2 bedroom apartment for sale

Longhurst @ Waterbeach (Cala) | Gillyflower Lane, Waterbeach, CB25 9PG

South Cambridgeshire

2 1 | Waterbeach (2 miles)

Two Bedroom Apartment

Available

£144,000 Shared Ownership New Build

Share percentage 45%, full price £320,000, £7,200 Min Deposit

Monthly Cost: £1,388
Rent £403, Service charge £203, Mortgage £782*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 45%

Deposit Min £7,200 £

Available now

| 1/14

3 bedroom house for sale

Longhurst @ Waterbeach (Stonebond) | Rye Mews, CB25 9PG

South Cambridgeshire

3 2 | Waterbeach (2 miles)

The Swift - 3 Bedroom Semi-Detached House

Available

£136,250 Shared Ownership New Build

Share percentage 25%, full price £545,000, £6,813 Min Deposit

Monthly Cost: £1,742
Rent £937, Service charge £65, Mortgage £740*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 25%

Deposit Min £6,813 £

Available now

1/19

4 bedroom house for sale

Ox Meadow, CB25 9FL

East Cambridgeshire

4 3 | Waterbeach (4 miles)

3 storey 4-bedroom end terraced house in the popular village of Bottisham

Available

£231,250 Shared Ownership Resale

Share percentage 50%, full price £462,500, £23,125 Min Deposit

Monthly Cost: £1,742
Rent £519, Service charge £76, Mortgage £1,147*

Calculated using a representative rate of 4.42%

Calculate estimated monthly costs

Share Min 50%

Deposit Min £23,125 £

Available now

1/25

3 bedroom house for sale

Roe Walk, CB23 6EJ

South Cambridgeshire

3 2 | Shepreth (8 miles)

Three-bedroom, mid-terrace house, built in 2012, facing a large green in Upper Cambourne

Available

£170,000 Shared Ownership Resale

Share percentage 50%, full price £340,000, £17,000 Min Deposit

Monthly Cost: £1,265
Rent £379, Service charge £43, Mortgage £843*

Calculated using a representative rate of 4.42%

Calculate estimated monthly costs

Share Min 50%

Deposit Min £17,000 £

Available now

1/13

3 bedroom house for sale

Mayfield Way, CB23 5JJ

South Cambridgeshire

3 2 | St Neots Station (7.8 miles)

Three bed semi detached house close to amenities in the popular village of Great Cambourne

Available

£170,000 Shared Ownership Resale

Share percentage 50%, full price £340,000, £17,000 Min Deposit

Monthly Cost: £1,506
Rent £590, Service charge £73, Mortgage £843*

Calculated using a representative rate of 4.42%

Calculate estimated monthly costs

Share Min 50%

Deposit Min £17,000 £

Under offer

| 1/16

2 bedroom house for sale

Chaffinch Walk, Great Cambourne, CB23 6BD

Cambridge

2 | St Neots Station (7.8 miles)

A 2 bed shared ownership property available in Great Cambourne, Cambridge

Under Offer

£210,000 Shared Ownership Resale

Share percentage 75%, full price £280,000, £10,500 Min Deposit

Monthly Cost: £1,246
Service charge £105, Mortgage £1,141*

Calculated using a representative rate of 4.78%

Calculate estimated monthly costs

Share Min 75%

Deposit Min £10,500 £

Under offer

1/7

2 bedroom house for sale

Knights Orchard, Whittlesford, CB22 4AG

South Cambridgeshire

2 1 | Whittlesford Parkway (0.2 miles)

Two-bedroom end-of-terrace house in Whittlesford

Under Offer

£105,000 Shared Ownership Resale · Eligibility Eligibility

Eligibility Info

Be a first time buyer or not currently named on a mortgage

Demonstrate you meet the minimum income requirements

Demonstrate a deposit sufficient to obtain a mortgage for the property

Have a local connection to the area

Share percentage 30%, full price £350,000, £10,500 Min Deposit

Monthly Cost: £1,135
Rent £545, Service charge £69, Mortgage £521*

Calculated using a representative rate of 4.42%

Calculate estimated monthly costs

Share Min 30%

Deposit Min £10,500 £

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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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JLL

Orbit Leasehold

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Sovereign Network Group

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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

Buyer checklist
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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