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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 Waterlooville, 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 Waterlooville?

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 Waterlooville?

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 Waterlooville?

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 Waterlooville?

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

It’s all too common for the prospect of home ownership to feel out of reach for first time buyers. With Shared Ownership homes in Waterlooville though, that doesn’t have to be the case. They can help make that first vital step on the property ladder more achievable than ever. Help to Buy homes in Waterlooville also offer great affordable options to buyers looking to settle down somewhere special.

If you want to stay up to date with the latest Shared Ownership and Help to Buy homes in Waterlooville, then it couldn’t be easier. Simply sign up to Share to Buy and register to receive alerts. That way, we can send you email notifications when relevant properties are added to your desired area.

For many people, there are two key reasons to choose Waterlooville over any other part of England. One is its obvious natural beauty. Close to parks, harbours and forests, Waterlooville is every bit the green and pleasant land people think of when they imagine rural Britain. Its grassy hills have charmed many into settling down permanently in the town, and there’s certainly few better reasons to call a place home.

The other is that Waterlooville is a hub through which people can travel and work in other areas, while still enjoying all the tranquillity of nature when they return home. Of course, the most obvious example of this is the town’s close proximity to Bedhampton and, therefore, the main train route between London and Portsmouth. This provides easy access to high-speed London-bound trains.

That ability to mix employment opportunities with the affordability and natural assets of somewhere like Waterlooville is a huge part of the reason it is so sought-after. You’ll gain so much more than just access to the capital if you choose a home in Waterlooville though. It’s surrounded by nearly a dozen areas and is around eight miles from picturesque Portsmouth. That’s not to mention the regular train services to the likes of Southampton and even Cardiff.

Not only is it a place for you to live and work, but Waterlooville is also a great location to raise a family, thanks to its excellent educational facilities. There’s a whole host of primary schools – with more being developed – as well as several secondary schools and even a couple of colleges. If you want to, you can complete your entire educational journey without leaving this charming town.

Another unique benefit is that the area has unusually good weather for this part of the country, owing to a number of geographical causes. These include protection from sea breezes, meaning that Waterlooville’s climate is similar to what you’d expect from a much more southerly point of Britain.

Then, of course, there are all the little things which give a town its identity. The historic pubs, the swimming pools, the shops, the bowls clubs, and the football teams: these are all the small details that you can only really appreciate when you live somewhere you really love. For many people, that place can be none other than Waterlooville.

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