Shared Ownership explained – What is it and how does it work?

Shared Ownership is a housing scheme which allows first time buyers an opportunity to get onto the property market who normally would be unable to do so because of lower income.

Targeted towards those who currently do not own a property it is a combination of buying and renting which allows buyers to purchase a property using a deposit and a mortgage, then paying rent on the remaining share to the housing association. This is available on either new home or re-sale properties. You can find out more about Shared Ownership properties by filling out the form and speaking to our expert team.

Shared Ownership Form

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You can contact our shared ownership team directly on

02380 820 121

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How much of the property do I own?

You buy a share of the property which ranges from 25% to 75% using a deposit and a mortgage with additional rent paid to the housing association or develop.



How do you qualify for a Shared Ownership property?

To be eligible to apply for Shared Ownership you need to meet the following criteria:


  • Over 18 years of age
  • Be a first time buyer or used to own a home but can no longer afford to
  • Household income is less than £80,000 (in London it is less than £90,000)

Leaders offers a bespoke and supportive service that helps you through every step of the way. To speak to our team, fill out the form or give us a call on 02380 820 121.



Find and buy your next property your way…

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New Homes developments

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Attend one of our property auctions

Auctions are one of the fastest, easiest and most exciting ways of buying your new home.


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Check out investment opportunities

As leaders in the property market, we help you find the best buy-to-let opportunities.

Learn more about Shared Ownership
Learn more about Shared Ownership

Take your first foot onto the property ladder with the Shared Ownership scheme.


8 simple steps to buying your next home


Step 1: Work out a budget

One of our specialist Mortgage Advisors can help organise your finances, helping you understand what you can afford – it could be more than you think!


Speak to one of our Mortgage Advisors.


Step 2: Start your property search

Set up Leaders’ property alerts and register with the team at your local branch so they can notify you when suitable new properties become available.

Set up property alerts now.


Step 3: Take a look at the properties you like

Book appointments to look around the properties you love. To make things more convenient, some of our homes are available to view virtually!

Ask your local team for more info.


Step 4: : Instruct your conveyancer

We can help you decide which conveyancer is best for your purchase. They oversee the legal work involved when buying a house, including stamp duty.

Get a conveyancing quote.


Step 5: : Make your offer

Congratulations – you’ve found your dream home! When making an offer, consider competition from other buyers as well as how far you can stretch your budget.


Step 6: : Arrange a survey

Most mortgage lenders insist on a Mortgage Valuation, but we a suggest you also arrange a HomeBuyer report or Building Survey, so you know exactly what you’re buying.


Step 7: : Settle your mortgage arrangements

With the help of your conveyancer, check through your Mortgage Offer carefully and put life and building insurances in place, to cover the loan should you need it.


Step 8: : Exchange contracts and complete!

Once you have exchanged contracts, you are legally bound to finalise the purchase. Agree on a completion date and the property will soon be your new home!