Helping you along the buying process

Search for a property in Hull
Search for a property in Hull
Tools to check your affordability
Tools to check your affordability
Contact a mortgage broker
Contact a mortgage broker

Shared Ownership FAQs

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Does Shared Ownership mean sharing with someone else?

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 Hull, 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.

Can I ever fully own a Shared Ownership home in Hull?

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.

Do I meet the eligibility criteria for Shared Ownership homes in Hull?

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.

How much does Shared Ownership cost in Hull?

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.

Are there Shared Ownership homes in Hull?

Share to Buy lists thousands of Shared Ownership homes all across Hull 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!

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The steps to find your new Shared Ownership home

We have a wealth of tools, FAQs, guides and blogs to help you understand your options
Search for a property
Find the right home for you in Hull and register your interest
Speak to the specialists
Contact a Mortgage Broker and Solicitor Panels to help you through the buying process

Find your home with Share to Buy

Learn more about the UK's leading first time buyer property portal, specialising in affordable home ownership options including Shared Ownership and Help to Buy
Start your search today
Who are 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.

Why should I register with Share to Buy?

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.

Can I advertise my home on Share to Buy?

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.

Shared Ownership Hull - Shared Ownership Properties for Sale in Hull - Share to Buy

If you’re a first time buyer, then the prospect of taking that vital step onto the property ladder may seem a daunting prospect. Thankfully, Shared Ownership homes in Hull can be an accessible and affordable solution. Help to Buy homes in Hull also make an ideal choice for buyers looking to make their property ambitions a reality.

Do you want to stay up to date with the latest Shared Ownership and Help to Buy properties in Hull? It couldn’t be easier! All you need to do is sign up to Share to Buy and register to receive alerts for relevant properties in your desired location.

The fourth largest city in the Yorkshire and the Humber area is also one of its most spectacular. When you consider the incredible slices of heaven which make up the self-proclaimed ‘God’s own county’, you’ll know that’s not a compliment to be taken lightly.

It’s fitting, too, that Hull is a port city and former market town. That’s because what makes it such a special place to call home is that it’s a drop-off point of so many different cultural, historical, practical and natural elements, crafting an invigorating melting pot of possibilities. It’s one with a fascinating history and even more exciting future.

That history isn’t just one for academic interest either – although, you could spend a lifetime learning more about Hull’s legacy through their many museums, such as the amazing Streetlife Museum of Transport and the Hull Maritime Museum. Away from those attractions, Hull’s rich history is something which breathes life into the city today. The architecture from the Burton Constable Hall, Hull Minster and Hull’s Old Town all come together to provide its unique looks and culture.

Speaking of culture, this is where the past meets the present. You can explore the vibrant selection of art galleries, from the Humber Street Gallery to the Ferens Art Gallery. You can spend an evening being entertained at the theatre, with Hull New Theatre and Hull Truck Theatre taking centre stage. And of course, there’s all the bars, restaurants and businesses which come together to make this one of the most versatile and inspiring places to live in the north.

For many though, the jewel in the crown of Hull will be its glorious green spaces, from Pickering Park to Pearson Park, with plenty more in-between. We think pretty much everyone – no matter their age, hobbies, or lifestyle – will be blown away by the beauty on their doorstep here. All that stunning scenery doesn’t mean a compromise in practicality either. This is an affordable place to live, boasting great transport links and tons of educational and professional opportunities, making it the ideal place to settle down.


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