Shared Ownership schemes (sometimes referred to as Part Buy / Part Rent or Newbuild Homebuy) are provided through housing associations and allow you to buy a share of between 25% - 75% of your new home.

A subsidised rent is paid on the remaining share. Shared ownership is available on select new build developments and there is also an active re-sale market created by people moving on.

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Rents will vary but generally don’t exceed 3.00% of the value of the unbought share. For example, a property valued at £200,000 bought on a 50% shared ownership basis your rent will be £3,000 a year, £250.00 paid monthly.

In this example you would fund the purchase of the share you own by combination of savings and a mortgage. 95% mortgages are generally available through specialist mortgage advisers such as Clark Marshall but always check before applying.


A process termed “staircasing” is available which allows you to buy further shares in the property until 100% ownership is achieved.

Once this milestone is achieved the property is owned on the same basis as an outright sale property and you are no longer a shared owner.

Staircasing, isn’t a pre-requisite and the original share can be retained throughout the shared owner’s lifetime if preferred.


If you have found a property and require a financial assessment please complete the Shared Ownership Enquiry form.

For ease this has been created as a Word document that you can download, complete and return to us.

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If you are unable to edit Word documents you will need to download the form in PDF format, print and complete by hand before you then fax or scan and email to back to us.