Shared ownership

We’re helping five households a day to get onto the housing ladder through Sage shared ownership. Why not be one of them?

Shared ownership is an easier way for buyers to get on the property ladder - with a smaller upfront payment and a way to buy your way out of an assured tenancy and to become the owner of your own home.

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Shared ownership explained

Buying a home the traditional way isn’t easy for lots of people – but that doesn’t mean that you can’t find a place to call your own. 

Shared ownership involves buying anywhere from 10%-75% of a property and paying rent on the other part to a housing association like us. You can go on to buy 100% of your home (called 'staircasing') in the future once you can afford to – though you don’t have to. It’s up to you.

Find out more about staircasing

What does 'part buy, part rent' mean?

Shared ownership is also sometimes called ‘part buy, part rent’ which means that you buy a share, while you rent the rest of the property.

For example:

You buy a 40% share of a £150,000 property, so your share is worth £60,000. The rent is charged at a rate of 2.75% on the £90,000 share that is owned by the social housing provider (Sage Homes, of course!). This would mean your rent is £2,475, spread over the year, so £206.25 a month.

If you've borrowed money to fund buying your share of the property you will also make mortgage repayments on top of this rent. If you'd put down a 5% deposit, you'd need to make repayments on a £57,000 mortgage. Take a look at our affordability calculator to see what you could be paying every month to get your foot on the property ladder.

Am I eligible

Lots of different people qualify for shared ownership, from first-time buyers to previous homeowners who can't afford to buy again right now.
Check if you're eligible

Any questions?

Read our Q&As about shared ownership
Q&As

Our residents' experiences

1/3
“It’s perfect for someone buying on their own for the first time, and it’s so much cheaper than renting – the flat in Epping I had before was £900 a month before bills, and it was a tiny little flat.”
Lucy Chandler, HarlowSHARED OWNERSHIP CUSTOMER
“We were looking to upsize but were struggling to do it without Shared Ownership. It meant a lot to find these houses being built in the village – we would’ve looked at surrounding villages but the best option was staying in High Halden and now we’ll be walking distance of the school.”
Robert Champkins, KentShared Ownership customer
“I went from living in my family home of five to owning my own two-bed flat. It’s a great property in a great space and a great location, and the value for money was great for my situation.”
Abena Kwapong, KentShared ownership customer
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Let's find a home

We offer thousands of new-build shared ownership homes across England, so you can settle where suits you best. Whether that’s a flat in the city or a house in the suburbs, all our homes are built by the UK’s top house-builders.

Start your search today and move one step closer to moving. Check out different developments and properties and register interest in those you fancy most.

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