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The major providers of Shared Ownership, Help to Buy and other affordable ways to buy a home in Clapham Park and nationwide have their homes listed on Share to Buy.
Shared Ownership is an affordable home ownership scheme which makes it easier for eligible purchasers to get on the property ladder. Buyers get a mortgage for the share they can afford, and pay rent on the remaining share.
No – this is a common misconception but the ‘shared’ aspect 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 Clapham Park, you’re effectively purchasing a portion of your property. Your initial share will usually be between 25% to 75%, paying a mortgage on the part that you own and a below market value rent on the remaining share.
Yes – Shared Owners can choose to buy additional shares in their property by ‘staircasing’.
When buying a Shared Ownership home, you will initially purchase a minimum percentage somewhere between 25% to 75%. Down the line, if you find that your financial circumstances have changed, buyers will have the option to buy more shares.
If you choose to buy a higher percentage, your mortgage repayments will increase while the rent you pay will decrease. In the majority of cases there aren’t any restrictions and you can buy 100% of your home – in this instance, you would become the outright owner.
As a home-buying product aimed at helping those who can’t afford to purchase a property on the open market, there are certain requirements that buyers will need to meet to be considered eligible for Shared Ownership.
For example, there are caps on household income which means that you must earn less than £80,000 to be eligible for the scheme – or less than £90,000 if you would like to buy a home in London. The criteria also states that buyers must be at least 18 years of age and do not own another property either in the UK or abroad.
Shared Ownership properties enable you to put down a smaller deposit compared to those required on the open market – buyers will usually need to put down 5% to 10% of the share that they’re buying, rather than the full market value of the home.
On a monthly basis, buyers will be required to pay their mortgage, a subsidised rent and service charge on their home, however, these repayments often work out cheaper than or equal to renting privately in the same area. Other costs to consider when buying a home include solicitor and mortgage broker fees – you can find out more about these costs on Share to Buy.
Share to Buy lists thousands of Shared Ownership homes all across Clapham Park and beyond – including new build properties and those available through resale.
Shared Ownership is available on a variety of homes including cosy studios, stylish apartments and traditional family homes. Check out our property search tool to start looking for your new home today!
The major providers of Shared Ownership, Help to Buy and other affordable ways to buy a home in Clapham Park and nationwide have their homes listed on Share to Buy.
Share to Buy is the leading online portal for Shared Ownership properties. Established in 2004 as the UK’s first specialist online mortgage broker for affordable home ownership products, the site has since developed into a one stop shop for first time buyers, offering the country’s largest listing of Shared Ownership homes from many of the UK’s biggest housing providers.
Share to Buy is the nation’s biggest and best established affordable home ownership property portal, making it the ideal website for first time buyers looking to take that first step onto the property ladder.
Using our property search tool, you can search for homes that suit your needs via filters such as location, number of bedrooms, monthly outgoings and deposit amount. You can also set up alert preferences so you’ll be notified when new properties that meet your search are announced by email.
Acting as a one stop shop for first time buyers, Share to Buy also offers handy FAQs and guides, interactive mortgage tools, mortgage broker and conveyancing panels, and live events to help potential purchasers on their home-buying journey.
If you are a housing association or developer selling properties through Shared Ownership, Help to Buy and other affordable home ownership schemes, we can list your new build and resale homes on the Share to Buy property portal.
As well as working alongside Registered Providers, we also partner with private sellers who are looking to sell their current Shared Ownership home.
Find out more about advertising your Shared Ownership property on Share to Buy.
Many first time buyers are worried that their home ownership aspirations are beyond their reach. Thankfully though, with Shared Ownership homes in Clapham Park, that doesn’t have to be the case. They can help give you the boost you need to take that vital first step onto the property ladder. Help to Buy homes in Clapham Park also offer affordable options to buyers looking to lay down roots in an area they adore.
Staying up to date with the latest Shared Ownership and Help to Buy properties in Clapham Park couldn’t be simpler. All you need to do is sign up to Share to Buy and register to receive alerts when relevant properties become available in your desired location.
This part of London’s history began when a builder named Thomas Cubitt bought over 200 acres of land in 1825. He decided to build a new estate in a style which he has made distinctive in Britain – although internationally, it was known as the Italianate style: a distinct phase of classical architecture. Classic it may be, but this made the area instantly stand out against its neighbours thanks to its villa-like aesthetic. This gave it a continental feel which was rather unusual for the 19th century.
A couple of things remain from this era, and that’s the area’s ability to stand out and its forward-thinking sense of innovation – even if the architectural ideas found here have long since moved from progressive to classic. Although Clapham Park may have long since transformed multiple times to the point where it is now close to unrecognisable, that innovative spirit – as is the case for the suburb of Clapham in general – very much lives on today.
This can be found in its art galleries, in the entrepreneurial spirit of its local businesses, and the diversity of experiences it can offer. You’ll just as easily find metropolitan innovation as you can relax in the 220-acres of unspoiled green space sprawled throughout the wider area of Clapham. In fact, there’s so much to choose from here that each part of Clapham has its own history, attractions and personality to offer. This means that when you move to Clapham Park, you are not limited to just that area’s positive attributes.
Of course, we can’t talk about the benefits of life here without also mentioning the convenient transport links to central London and the rest of the country via bus and railway. The opportunities offered by Clapham Park – both within its boundaries and beyond – are quite simply vast.
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