Shared Ownership

Shared ownership is a way for people to buy a home who aren't able to get a full deposit together. It's a more affordable way to get on the property ladder as you part rent and part buy. 

  • Most shared ownership homes need you to buy between 25% and 75% first
  • You get a mortgage agreed on the share of the property you are purchasing
  • You start a lease agreement with the landlord, and agree to pay rent to the landlord on the remaining part you do not own
  • You can buy more shares in your home as time goes on. This is known as ‘staircasing’. As you buy more shares, usually, the rent you pay will go down and the your mortgage would go up
  • It's made as a stepping stone to owning your own home
  • Buying through shared ownership makes you an owner-occupier, not a part tenant.

Take a look at our Shared Ownership properties

Further Information

If you'd like to know more, or if you've seen an Estuary Shared Ownership property for sale that you would like to speak with us about, please contact our Sales and Marketing Team on 0300 304 5000 or email our sales team