Shared Ownership

Shared ownership offers a low cost way to buy your home.  With shared ownership, you buy part of your home with a mortgage, and then you rent the remaining from your landlord, in this case, Willow Tree Housing Partnership. All shared ownership properties, both houses and flats, are leasehold properties.

The cost of a shared ownership home is set by an independent valuer, with your share worked out as a percentage of the total value. 

This affects the amount of rent you have to pay, depending on your share. For certain properties there may also be a service charge.  You will also have to pay your own Council Tax, water rates, contents insurance, utilities, legal fees etc, please check this before buying.

Please refer to our Shared Ownership Handbook Leaflet for more details including subletting and taking in a lodger.

We administer the sale of both new properties and the re-sale of existing properties. There are a range of qualifying criteria to be considered when purchasing a property. Details of new shared ownership properties for sale can be found in our new developments area and available re-sale properties area.

The government's Help to Buy scheme provides a range of options designed to make it more affordable for you to buy a home.  You can find more information at

Selling Your Shared Ownership Property or Staircasing

When selling your shared ownership home you must inform your landlord (Willow Tree Housing Partnership), of your intention to sell. You will then be required to follow a set process.

Depending on your lease, you may be able to purchase additional shares in your home in increments of 5, 10 or 25%, this is called staircasing. There are some circumstances where restrictions may apply that preclude purchasing a greater equity share.

For more details on selling your shared ownership property, staircasing or queries relating to shared ownership, please 'Contact Us'.