What is Shared Ownership?

Shared Ownership is an affordable home ownership scheme which makes it easier for first time buyers to get on the property ladder. Buyers purchase a share of property, and pay rent on the remaining share. Shared Ownership is a great way for first time buyers to get on the property ladder, as it can dramatically reduce the amount required for a deposit. Shared Ownership has helped thousands of first time buyers onto the property ladder in England.

Share to Buy is a national Shared Ownership property portal, also listing Help to Buy, rental and other affordable home ownership properties. You can search for properties, use our helpful guides and FAQs to get all the  info you need and we can even help you find a mortgage to buy your perfect home.

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Is Shared Ownership available in London?
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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?
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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.

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