Helping you along the buying process

Search for a property in Kettering
Search
Search for a property in Kettering
Search
Tools to check your affordability
Affordability
Tools to check your affordability
Affordability
Contact a mortgage broker
Broker
Contact a mortgage broker
Broker

Shared Ownership FAQs

Find out more
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 Kettering, 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 Kettering?

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 Kettering?

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 Kettering?

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 Kettering?

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

Find out more

The steps to find your new Shared Ownership home

1
Research
We have a wealth of tools, FAQs, guides and blogs to help you understand your options
2
Search for a property
Find the right home for you in Kettering and register your interest
3
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 Kettering - Shared Ownership Properties for Sale in Kettering - Share to Buy

For first time buyers, the prospect of home ownership can often feel as though it’s out of reach. Thankfully, with Shared Ownership homes in Kettering, taking that first step onto the property ladder can be made all the easier. Help to Buy homes in Kettering can also allow potential buyers to lay down roots in a location they truly adore.

Want to stay updated with the latest Shared Ownership and Help to Buy properties in Kettering? Well, it couldn’t be simpler. Just sign up to Share to Buy and register to receive email alerts when new properties are added to your desired market.

Kettering quite literally means the place of Ketter’s people, and in all honesty, the twee charm of that really is a perfect symbol of the uniquely English town. It’s an area where delights are bought together through centuries upon centuries of history, through Roman, Saxon and Medieval times, all the way through to the present day.

That rich heritage has not only formed Kettering’s cultural identity but also provides its land with some truly fascinating architecture, as well as the stories which make it such a fascinating and beautiful place to live. You can learn more about these while being entertained, thanks to the likes of the Manor House Museum.

However, the stunning sights don’t just stop at old buildings, regardless of how spectacular they are. Alongside the likes of St Paul’s Church, the Rushton Triangular Lodge and Boughton House are a wide selection of parks and areas of exceptional natural beauty. And that’s just one example of how Kettering is perfect for families.

There are plenty of attractions and activities that are fun for all ages, including a children’s fun park in Wicksteed Park, along with excellent educational opportunities at all levels. Meanwhile, Kettering Conference Centre can keep you fit and healthy by combining a leisure centre, health club and even a children’s activity centre.

It’s not all family-friendly activities in Kettering though. There are also plenty of pubs, bars and restaurants for a more mature exploration of the town, as well as the many unique businesses which allow it to thrive.

If all of this isn’t enough for you, then remember that Kettering has some of the most diverse transport options anywhere in the UK. Residents are connected to the likes of LondonLeicester and Sheffield, to give but a few examples, via the East Midlands Train service. If you want to go even further afield, then there are five airports a mere couple of hours away. This means living in Kettering really does open you up to a whole world of experiences!

News

Legal & General Affordable Homes: Get on the property ladder at White City Living, West London

Modern Shared Ownership apartments available in Hammersmith & Fulham Have you been dreaming about buying your own home and getting on the property ladder in London? If you’re looking to become a first time buyer in the capital but feel like your deposit could use a boost, why not think about Shared Ownership with Legal…

Find out more

Notting Hill Genesis: Local buyers get on the property ladder with Shared Ownership

First time buyers secure their oasis at Heron Quarter Becci a Senior Grants and Programmes Manager at the PRS Foundation and her partner Dan have just purchased a 30% share of a two bedroom apartment at Notting Hill Genesis’ Heron Quarter at Woodberry Down development. Already renting a one bedroom flat at the Woodberry Down…

Find out more

L&Q: Shared Ownership home-buying event in Berkshire

First time buyer homes available at L&Q at Huntley Wharf, Reading On Saturday 21st May, L&Q is hosting a drop in event for hopeful Shared Ownership buyers at their new development, Huntley Wharf in Reading, taking place between 10am and 4pm. Guests attending on the day will be able to take advantage of L&Q’s ‘Season…

Find out more