Helping you along the buying process

What is Shared Ownership?
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.
Shared Ownership FAQs
Find out moreDoes 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 Orpington, 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 Orpington?
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 Orpington?
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 Orpington?
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 Orpington?
Share to Buy lists thousands of Shared Ownership homes all across Orpington 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 steps to find your new Shared Ownership home
Featured Developers
The major providers of Shared Ownership, Help to Buy and other affordable ways to buy a home in Orpington and nationwide have their homes listed on Share to Buy.
Find your home with Share to Buy
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.

“I think with home ownership, it is easy to become disheartened but once you seek advice and look at all the options, it’s not as daunting or as stressful as it can be portrayed. I bought my Shared Ownership home with just a £6,000 deposit and now my monthly payments including bills is just £1,060, which I never thought would be possible!”

“The deposit for buying a Shared Ownership property was much lower than I was expecting - there’s definitely no way that I would have been able to buy without the Shared Ownership scheme. With staircasing, I could buy more shares in the property, eventually amounting to 100%. At that point the flat would fully be mine and I wouldn’t have to pay any rent!”

“From the moment I bought my first share, I knew that I wanted to staircase. A year after I moved in, I staircased to 75% and this past February I purchased the final share, and now I own my home 100% outright. I really do recommend Shared Ownership as a fantastic way to get into the housing market, it worked so well for me.”
Shared Ownership Orpington - Shared Ownership Properties for Sale in Orpington - Share to Buy
It’s all too easy as a first time buyer to feel as though home ownership is an achievable ambition. Thankfully, Shared Ownership homes in Orpington could be the answer, helping you to take that vital first step onto the property ladder. Help to Buy homes in Orpington also offer affordable options to buyers who are looking to settle down somewhere special.
Are you interested in staying up to date with the latest Shared Ownership and Help to Buy properties in Orpington? All you need to do is sign up to Share to Buy and register to receive alerts when new properties become available in your desired area.
Aside from being a town in its own right, Orpington is also known as one of the major centres of Greater London. It’s these dual identities which sums up so much of what makes Orpington such an attractive place to live.
That’s because this is an area which has all the modern conveniences you could possibly want. The most obvious example of this is transport, with trains to Central London as well as bus services connecting the town to the capital and beyond. This is without mentioning the main roads which pass through the town. In other words, when you live in Orpington, you’re also opening yourself up to all the opportunities in London without having to pay the higher prices you can expect in other areas.
This is no small thing. It can allow people to follow their dreams, ambitions and the career paths that they may have found themselves locked out of otherwise. There are also all the educational possibilities that are available to its residents, making it ideal for people looking for their dream family home. And this is all without mentioning the cultural experiences the town can provide.
Even without its convenient closeness to London, Orpington is still a truly wonderful place to call home all on its own, and one that is not lacking in opportunities. You have well-stocked high streets, a whole host of terrific local business, sports and leisure facilities, as well as its own stunning attractions. These include the Parish Church, the Priory and its gardens, Orpington War Memorial and many more.
You’ll also be nearby a ton of natural areas to explore, such as Scadbury Park and High Elms Country Park. This means you don’t have to sacrifice tranquil settings or rich greenery. Orpington would be an excellent location without all the conveniences of London, but with them, there are few places in the country that can compete.
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