Helping you along the buying process

Search for a property in West London
Search for a property in West London
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 West London, 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 West London?

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 West London?

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 West London?

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 West London?

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

Many first-time buyers feel as though the prospect of home ownership is beyond their reach. Thankfully, Shared Ownership homes in West London could be the perfect way to get your foot on that vital first step of the property ladder. Help to Buy homes in London are also ideal for buyers looking to lay down roots somewhere they love.

If you’re interested in keeping up to date with the latest Shared Ownership and Help to Buy properties in West London, make sure you sign up to Share to Buy and register to receive alerts when new properties are added to your desired market.

Just as we couldn’t possibly pick between the many wonderful areas that make up West London – whether that be Kensington and ChelseaNotting HillFulham or any of the other many exceptional boroughs which are contained within those borders – we find it equally impossible to argue over which part of London is the finest. Choosing between areas in the city is like deciding our favourite bite of our favourite meal. Who could possibly argue when what’s on offer is so deliciously perfect?

We will say, however, that within the smouldering melting pot which makes the capital such a fascinating place to live, there is room for different personalities and offerings within its many neighbourhoods. We are all distinct and have our own ideas for what makes the perfect home, whether you’re a young family or a young professional.

West London represents what, for many, will be their absolute ideal. And, of course, there’s plenty of scope within the area to cater for every individual, from those wanting to stay right at the heart of the action to those seeking more tranquil setting near stunning greenery. That variety is key. It means we can all find exactly what we are looking for and ultimately, unlock the door to a property we are proud to call our home.

Just as important as what distinguishes these areas though is what brings them together. You have the freedom to choose the West London borough which suits you best, but thanks to the excellent transport links within London – and just how much is available within relatively small amounts of space – you never have to miss out on what the rest of the capital has to offer.

You can indulge yourself with a spot of vintage shopping at Portobello Road, enjoy the finest food at Shepherd’s Bush, check out the narrowboats at Little Venice, live amongst nature and party in the City, or vice versa if you so please. Choice is what West London is all about and there are few places that can provide as appetising a buffet of experiences as this.


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