Helping you along the buying process

Search for a property in Stoke-on-Trent
Search for a property in Stoke-on-Trent
Tools to check your affordability
Tools to check your affordability
Contact a mortgage broker
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 Stoke-on-Trent, 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 Stoke-on-Trent?

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 Stoke-on-Trent?

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 Stoke-on-Trent?

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 Stoke-on-Trent?

Share to Buy lists thousands of Shared Ownership homes all across Stoke-on-Trent 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 Stoke-on-Trent 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 Stoke-on-Trent - Shared Ownership Properties for Sale in Stoke-on-Trent - Share to Buy

If you’re a first time buyer who is worried that your property aspirations may be out of reach, then you’re not alone. Thankfully, Shared Ownership homes in Stoke-on-Trent could be the solution you need to take that vital first step onto the property ladder. Similarly, Help to Buy homes in Stoke-on-Trent make a great option for buyers looking to settle down in a home and location they love.

Do you want to stay on top of the latest Shared Ownership and Help to Buy properties in Stoke-on-Trent? Well, it couldn’t be easier. Simply sign up to Share to Buy and then register to receive alerts when new properties are added to your desired market.

Founded towards the start of the 21st century as a polycentric, Stoke-on-Trent is actually the formation of six towns. And it’s clear that this is a city which is all about bringing the best of different places together.

Wherever you choose to live, from Hanley to Fenton and anywhere in between, you’ll be able to enjoy an area that has retained the distinctive characteristics which makes each one so individual. On top of this, you’ll also benefit from everything the surrounding areas bring to the city. If it’s not on your doorstep, then it’ll be no more than a quick journey away, thanks to Stoke-on-Trent’s excellent transport links. These, of course, also open you up to the rest of the country too via the likes of the M6 and as part of the Stafford-Manchester train line.

This city is all about choice and variety. Whether you’re looking to commute or take advantage of the fantastic educational and employment opportunities available within Stoke-on-Trent itself, the choice is yours. You can just as easily spend a thrilling day at Alton Towers as you can explore The Potteries Museum & Art Gallery. Alternatively, you can simply unwind at one of the many bars, pubs, restaurants and cafes which help the community of Stoke-on-Trent to thrive.

Just as six towns came together to make Stoke-on-Trent, so too does history, culture, opportunity, natural beauty and local enterprise, among so much more, to make this spectacular city what it is today. Whatever kind of day out you want, whatever kind of career you want and whatever kind of life you want to live is yours to pursue in this Staffordshire gem.


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