Helping you along the buying process

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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 Oxford, 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 Oxford?

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 Oxford?

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 Oxford?

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 Oxford?

Share to Buy lists thousands of Shared Ownership homes all across Location 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

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 Oxford 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
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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.

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

For first time buyers who believe that purchasing their own home is out of reach, Shared Ownership homes in Oxford can help them to take those vital first steps on to the property ladder. Help to Buy homes in Oxford can also help potential purchasers to put down roots in an area they love, and finally, find a place to call their own.

If you want to keep up to date with Shared Ownership and Help to Buy homes in Oxford, all you have to do is sign up to Share to Buy and register to receive alerts. We’ll then automatically notify you when new properties become available.

Alongside Cambridge, Oxford is well known for having one of the finest universities in the world. This naturally makes it an ideal choice for anyone with children looking to make the leap into Oxford University’s prestigious educational establishment, or indeed, take advantage of its many other exceptional schools for those at an earlier stage.

There’s no doubt that its reputation for excellence in this regard is well-founded and well deserved. However, there’s so much more to this south-east city than great grades and top career prospects.

For starters, Oxford has plenty of excellent public transport options. This means that, even if you don’t own a vehicle, the city can open up to the rest of the country and beyond for would-be travellers, thanks to its close proximity to Oxford Airport. It’s also one of the country’s most ethnically diverse areas, but that’s not the only way in which Oxford can be considered a vibrant melting pot.

Culturally, Oxford is an artistic smorgasbord of delights, with several theatres showcasing the finest talents both local and beyond. This is alongside its storied legacy in the world of literature and music: the latter of which lives on through venues like the 02 Academy.

History buffs will also find plenty to whet their appetite here, with a fine selection of museums, as well as historically significant local landmarks such as Oxford Castle and Christ Church, to name but a few. It turns out you don’t need to go to the university in Oxford in order to get an education.

News

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…

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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…

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Notting Hill Genesis: Shared Ownership and Help to Buy available in Newham, East London

Open day event at Royal Albert Wharf this spring! Award winning development Royal Albert Wharf is opening its doors this Saturday 14th May, offering buyers the opportunity to experience life down at the docks and view a collection of stunning show homes. The event is centred around the Parkside phase, a beautiful collection of three…

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