Featured Developers
The major providers of Shared Ownership, Help to Buy and other affordable ways to buy a home in West London and nationwide have their homes listed on Share to Buy.
Find a Shared Ownership Home in West London
Search in West London for your new home
Helping you along the buying process
Tools to check your affordability
Affordability
What is Shared Ownership?
Shared Ownership is an affordable home ownership scheme which makes it easier for eligible purchasers to get on the property ladder. Buyers get a mortgage for the share they can afford, and pay rent on the remaining share.
Shared Ownership FAQs
Find out moreDoes 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!
The steps to find your new Shared Ownership home
1
Research
We have a wealth of tools, FAQs, guides and blogs to help you understand your options
2
Search for a property
Find the right home for you in West London and register your interest
3
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
Start your search today
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.
SUCCESS STORIES
Sandra - Shared Ownership buyer in Croydon
“From the moment I bought my first share, I knew that I wanted to staircase. A year after I moved in, I staircased to 75% and this past February I purchased the final share, and now I own my home 100% outright. I really do recommend Shared Ownership as a fantastic way to get into the housing market, it worked so well for me.”
SUCCESS STORIES
Maureen - Shared Ownership buyer in Essex
“A friend at work had just signed up on the Share to Buy website and said I should register too. I didn’t know much about Shared Ownership so the Share to Buy website was really helpful, giving me all the information that I needed about the scheme. It turned out that there were a few properties in my area, so I registered for all of them!”
SUCCESS STORIES
Laura - Shared Ownership buyer in Newham
“The Shared Ownership calculator on Share to Buy gave me a really clear understanding of what my budget was and what my monthly outgoings would be, including rent and service charge. The buying process of Shared Ownership was really simple - I bought a 35% share of my property and eventually plan on staircasing to own more of it.”
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 Chelsea, Notting Hill, Fulham 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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