Shared Ownership

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Learn more about Shared Ownership and buying a home with Sage Housing

Find out all you need to know with our handy guides in the Advice Hub. Click to find out more and start your home ownership journey with Shared Ownership and Sage.

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Learn more about Shared Ownership

The Shared Ownership scheme is a ‘part buy, part rent’ way of owning your own home for a smaller upfront payment – making it easier for first time buyers to get on the property ladder.

‘Part Buy, Part Rent’ is a way of owning your home. This simply means you buy a share (or ‘part’) of the home e.g. you own 40%, which will require funding, normally by a mortgage. On the remaining 60% share, you will then pay a subsidised rent – this means you are purchasing a leasehold house or flat. 

While you’re welcome to buy with another person, Shared Ownership does not mean you have to share the ownership of the property.

This will depend on your financial circumstances. Note that you are expected to buy the largest share of the property you can reasonably afford. The initial share values available are usually a minimum of 25% and a maximum 75%. 

Yes, you can increase your share in a Shared Ownership home through a process known as ‘staircasing’, allowing you to own more of the property as and when you can afford to do so. However, there may be some restrictions on this so please check with our team for specific developments or homes.