Shared Ownership Homes UK: Your 2025 Path to Homeownership
For many first-time buyers struggling to get on the property ladder, shared ownership homes offer an affordable route into the UK housing market. In 2025, this government-backed scheme continues to help thousands secure their first home with a smaller deposit and reduced mortgage costs.
What is Shared Ownership?
Shared ownership allows you to buy a share (usually 25%-75%) of a property and pay rent on the remaining share to a housing association. Over time, you can purchase additional shares in a process called “staircasing” until you own 100% of the property.
Benefits of Shared Ownership in 2025
Lower deposit and mortgage requirements.
Access to new-build and some resale homes across the UK.
Option to increase ownership over time as your finances improve.
Where to Find Shared Ownership Homes
Shared ownership properties are widely available in cities like London, Manchester, Birmingham, and in growing towns such as Milton Keynes and Reading. Outer London boroughs and regional cities offer particularly attractive options for those seeking affordability.
At TrustPoint, we guide first-time buyers through the shared ownership process and help find homes in thriving UK communities that match your lifestyle and budget.
