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Shared Ownership FAQs

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Is Shared Ownership available in London?

Yes! Shared Ownership is very popular in London, especially amongst first time buyers who would otherwise struggle to raise the steep deposits required for homes on the open market.

Acting as a stepping stone, the part-buy part-rent scheme makes getting on the property ladder more accessible for eligible buyers by offering a variety of homes – houses and apartments, new builds and resales – in popular locations across the capital, but at a price that’s more affordable.

Am I eligible for Shared Ownership in London?

Shared Ownership is a home-buying scheme which aims to assist those who can’t afford to buy a property on the private market. Because of this, buyers will need to meet certain eligibility criteria to be able to purchase a part-buy part-rent home.

For those in London, there are maximum caps on income which means that your household must earn less than £90,000. The requirements also outline that purchasers can’t own any other properties and must be a minimum of 18 years old.

How do I search for a Shared Ownership home in London?

Share to Buy are the leading property portal for first time buyer homes in London! If you’re interested in purchasing a Shared Ownership home in the capital, visit our property search tool to view hundreds of homes; you can even use filters to tailor your search to suit your needs including location, bedroom numbers, deposit amount and monthly repayments.

What savings do I need to purchase a Shared Ownership home in London?

The biggest expenditure when buying a property is usually the deposit, but this is reduced when purchasing a part-buy part-rent home. With Shared Ownership, the buyer will need to raise a deposit of around 5-10% of the share that they’re purchasing, not on the full value of the property.

The Shared Owner will then pay back their mortgage, a below-market-value rent and any service charge on a monthly basis. Aside from this, we would usually recommend a purchaser has around £3,000 to £5,000 saved for other moving fees – you can find out more about these potential costs on Share to Buy.

Can I ever outright own my Shared Ownership home in London?

Yes, Shared Owners are able to buy more shares in their Shared Ownership home through the ‘staircasing’ process.

When initially purchasing a part-buy part-rent home, the buyer will purchase a minimum share of 25-75% of the property. However, the owner can choose to buy more shares in their home and, in most instances, can actually buy 100% of the property. If this happen, they will become the outright owner and won’t need to pay any more rent.

How do I apply for Shared Ownership in London?

Applying for a Shared Ownership home on Share to Buy is easy! Search for a home on our property search tool and once you’ve found an apartment or house that you’re interested in, simply click the ‘register your interest’ button on the listing and your information will be forwarded to the relevant housing provider who can make contact with you from there.

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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 and register your interest
Speak to the specialists
Contact 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
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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.


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