Business Details
Your Gateway to Affordable Homeownership
Share to Buy is the UK's leading property portal dedicated to affordable homeownership and buying schemes. Established to address challenges in the housing market, we specialise in connecting budding buyers with opportunities through Shared Ownership, Rent to Buy, First Homes, Deposit Unlock, and other government-backed schemes. Our platform offers comprehensive resources including expert guides, affordability calculators, mortgage comparisons, and staircasing tools to empower informed decision-making. With a network of 300+ housing providers and a community of 120,000+ buyers, we provide nationwide coverage for new-build and resale properties.Our expert panels of solicitors, mortgage brokers, and financial advisors offer tailored support throughout the home-buying journey. Through educational content, success stories, and free events, we demystify the process of homeownership while maintaining transparency in costs and requirements. Our technology-driven approach combines property listings with budget calculators to help buyers understand monthly commitments, including mortgages, rent, and service charges.
Services
Shared Ownership
Rent to Buy
First Homes Scheme
Deposit Unlock
Staircasing Support
Highlights and features
- UK's largest portal for government-backed homeownership schemes
- Free budget calculators and mortgage comparison tools
- Expert panels of solicitors and mortgage brokers
- Nationwide network of 300+ housing providers
- Comprehensive guides and success stories from 120,000+ buyers
What people say
Fantastic way to get into the market
Freedom to live as I want
Affordable brand new home in Zone 3
Quick staircasing process
Saved thousands on deposit
Services
Shared Ownership
Shared Ownership allows buyers to purchase a 10-75% share in a property while renting the remaining portion from a housing association. This scheme enables first-time buyers to enter the property market with lower deposits and monthly costs. Buyers can staircase to full ownership over time.
Rent to Buy
Rent to Buy offers new-build properties at 20% below market rent with fixed inflation rates. Tenants can rent for 2-5 years while saving for a deposit, with priority access to purchase the property through Shared Ownership or full market sale.
Deposit Unlock
Deposit Unlock enables buyers to purchase new-build homes with a 5% deposit through builder-backed mortgage insurance. This scheme removes the need for high 15-25% deposits typically required for new properties while maintaining competitive mortgage rates.
Staircasing Support
Staircasing allows Shared Ownership holders to buy additional shares in their property, typically in 10% increments. Our platform provides valuation services, legal guidance, and mortgage advice to help owners achieve 100% equity over time.
First Homes Scheme
The First Homes Scheme offers new-build properties to local first-time buyers at 30%+ discounts. Eligible purchasers receive priority access to homes priced below 250,000 (outside London) or 420,000 (London boroughs) through council partnerships.
Questions
What is Shared Ownership and how does it work?
Shared Ownership lets buyers purchase 10-75% of a property with a mortgage while renting the remaining share from a housing association. Buyers can staircase to full ownership over time.
Can I use a Lifetime ISA with Share to Buy?
Yes, our partner Tembo offers Lifetime ISAs with 4.1% AER and government 25% bonuses to help buyers save for Shared Ownership deposits and staircasing costs.
How do I check Shared Ownership affordability?
Use our online affordability calculator to determine potential mortgage amounts, rent payments, and total monthly costs based on income, deposit, and property location.
What legal support exists for staircasing?
Our panel solicitors specialise in Shared Ownership staircasing, providing fixed-fee conveyancing services and handling lease modifications when increasing property shares.
Can I sell a Shared Ownership property?
Yes, Shared Ownership properties can be sold through open market valuation or housing association nomination periods. Our platform lists resale properties and provides selling guidance.
Are there Shared Ownership options outside London?
We list Shared Ownership properties nationwide, including new-build developments and resale homes across England through regional housing associations and councils.
