Helping you along the buying process

Search for a property in Sittingbourne
Search for a property in Sittingbourne
Tools to check your affordability
Tools to check your affordability
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Contact a mortgage broker

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 Sittingbourne, 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 AshSittingbourneord?

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 Sittingbourne?

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 Sittingbourne?

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 Sittingbourne?

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

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 in Sittingbourne and register your interest
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 Sittingbourne - Shared Ownership Properties for Sale in Sittingbourne - Share to Buy

Many first time buyers can be left feeling concerned that home ownership is out of their reach. Thankfully though, Shared Ownership homes in Sittingbourne offer an affordable option, helping you to take that vital first step onto the property ladder. Help to Buy homes in Sittingbourne are also an ideal answer to buyers looking to unlock the door to their dream home.

Do you want to stay up to date with Shared Ownership and Help to Buy properties in Sittingbourne? Well, it couldn’t be simpler. All you need to do is sign up to Share to Buy and register to receive alerts when relevant properties are added to your desired market.

When a town has such excellent transport links like Sittingbourne, Kent, it has the unfortunate consequence of people outside that area not realising the full scope of its attributes. Now, don’t get us wrong, being able to get to London Victoria in around an hour on average is truly an astonishing benefit and something that shouldn’t be dismissed.

For so many people, this means that they can keep their job and pursue their career or educational ambitions without needing to pay the higher property prices often found in certain parts of the capital. This kind of thing can be life-changing, so it’s certainly a huge part of the reason that Sittingbourne is such an attractive place to live. And there are plenty of other areas connected to Sittingbourne too; it even has links to the Eurostar service, meaning that quite literally a world of experiences are within your reach.

However, Sittingbourne is no mere commuter town. Without the connections to London, Sittingbourne would still be an incredible location. First off, let’s talk about opportunity. Just because Sittingbourne has the advantage of being able to offer its residents convenient transport connections, that doesn’t mean that what is available in the town itself is limited in any way.

There’s a huge amount of educational and economic opportunities here across an enormous range of industries, meaning you don’t necessarily have to go anywhere else to pursue the career you want. Of course, all these different businesses also make living in Sittingbourne more enjoyable for everyone, providing its residents with all their needs from shops to pubs and everything in between.

It’s also a town with a thoroughly fascinating history. This not only provides the town with an architectural backdrop full of depth and variety, but also means that this is an area with its own personality and culture. It’s fantastic that Sittingbourne can provide its people with so much, and that includes those transport links. However, it has so much more to offer without ever leaving its boundaries.


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