Discover our new homes in Essex

Shared ownership Essex

Part Buy / Part Rent Essex

Our aim at Moat is to make your search for shared ownership Essex a realistic option for first time buyers. We are proud to present a wide range of high-quality properties for sale in the Essex boroughs of Basildon, Brentwood, Epping Forest, Harlow, Rochford District, Southend-on-Sea, Tendring and Thurrock.

It’s not easy buying your first home but Essex shared ownership gives many people, often first-time buyers, an affordable alternative to buying a home outright. At Moat, we offer a range of stunning new apartments and houses, alongside popular resales, throughout Essex.

Making Essex an affordable county for all is a priority for us at Moat. You can find all available and upcoming homes in the county here, where you can view and get in touch regarding any that interest you.

Your journey towards home ownership starts here and through staircasing, can end with you owning your own home outright.

Harlow Properties For Sale 

We have a collection of 1 & 2 bedroom shared ownership apartments in Harlow, at Edinburgh Way featuring a high specification, parking and outside space. These sleek homes are available to view and ready for you to move into. 

Edinburgh Way is a convenient base for commuting to London, with Harlow town train station just a short walk away and you can reach London Liverpool Street by train in less than 30 minutes! Harlow also has the 5th highest broadband speed in the UK which is perfect for people who work from home. 

Take one step closer to shared ownership in Harlow by getting in touch with the Moat team today.

The Essex / London Commute

One of the great things about living in Essex is the ease of travel both within the county and further afield. With an excellent rail network linking towns across Essex, as well as regular bus services, it's easy to get around without a car. And if you do need to venture out of the county, London is just a short train ride away. The county is also well connected by road, with the M25 and M11 circling Greater London and providing access to a number of key towns and cities. The A12 is another important route that links Essex to Suffolk and Norfolk. Whether you're travelling by public transport or private vehicle, getting around Essex is straightforward and convenient.

As anyone who has ever tried to drive into London during rush hour knows, getting around the city can be a nightmare. Traffic jams are common, and parking is often expensive and difficult to find. Thankfully, there are a number of quick and convenient alternatives to driving. The main-line rail links provide fast and frequent services into Central London, getting you from Newport to London Liverpool Street in a little over an hour. The Stansted Express, which is the quickest route between Stansted Airport and Central London takes around 47 minutes, perfect for professionals working in London. In addition, the county is also home to the local airports of Stansted and Southend. Whether you're visiting for business or pleasure, Essex is an ideal base for exploring all that London has to offer.

Resale

Ramsden Court

Flat 50 Ramsden Court, Golden Jubilee Way, Wickford, Essex, SS12 9FT

£1,232 estimated monthly cost

2 bedrooms

1 bathroom

Shares from 50%

Full market value from £250,000

Resale

Maple Drive

Chigwell, Essex IG7 4GQ

£2,700 estimated monthly cost

3 bedrooms

1 bathroom

Shares from 65%

Full market value from £580,000

Resale

Searle Close

Great Baddow, Chelmsford, Essex, CM2 9GB

£870 estimated monthly cost

1 bedroom

1 bathroom

Shares from 40%

Full market value from £225,000

New home

Moat at Edinburgh Way

Edinburgh Way, Harlow, Essex, CM20 2DQ

£812 estimated monthly cost

1, 2 bedrooms

1 bathroom

Shares from 25%

Full market value from £225,250

Resale

The Icon

Basildon, Essex, SS14 1FG.

£1,130 estimated monthly cost

2 bedrooms

1 bathroom

Shares from 35%

Full market value from £240,000

Resale

481 Southchurch Road

Southend-on-Sea, Essex, SS1 2GJ

£1,100 estimated monthly cost

1 bedroom

1 bathroom

Shares from 60%

Full market value from £175,000

Frequently Asked Questions

Shared ownership offers the chance to purchase a share (generally between 25%-75%) of a house or an apartment. A 5%-10% mortgage deposit is required for the share being purchased which, in the current market, makes it possible to own a home through shared ownership.

If you don’t already own a home, live outside London and earn less that £80,000 a year, then yes you are eligible! The same applies in London but you can earn up to £90,000. For full eligibility details, please visit www.ownyourhome.gov.uk.

Yes, if you wish to purchase a home with us, you will need a deposit for your mortgage. This will typically be 5% or 10% of the total share value and is in addition to the savings required for other home buying costs such as legal fees and mortgage arrangement fees. Please note we do not accept interest only mortgages or 100% mortgages.

Buying a new home off plan means that you commit to purchasing it whilst it’s still being constructed. You may, or may not, have an opportunity to physically view inside it before your commitment to buy it becomes a legal obligation (at the stage where you exchange contracts). Further information about buying off-plan can be found here.

You’ll be expected to provide documentation to us, your mortgage advisor / lender and your appointed solicitor. This will include: wage slips, bank statements, proof of address, details of your employment and certified identification.

Resales are homes that the current owner bought through shared ownership and now wishes to sell on. It’s still the same shared ownership government-backed product but you normally purchase at least the share that the seller currently owns. Further information about resales can be found here.

Yes you can and you can do this at anytime after you have purchased your home. It is entirely up to you if you decide to staircase and purchase further shares.

You purchase additional shares at the current market value and with each staircasing transaction, your rent reduces according to the new percentage owned. When you reach 100% ownership, you no longer pay us rent, although you are still liable for service charges and ground rent (if applicable).

Ground rent is a fee that is charged on leasehold (and sometimes shared ownership) homes. If you have to pay ground rent it will be a condition of your lease for the land that your home is built on. This is generally only applicable for apartments and Moat usually do not charge ground rent if we are the freeholder (this means that Moat own the land and / or apartment block). If Moat aren’t the freeholder, we do not fix the ground rent but we will collect it from you to pass onto the freeholder or landlord of the building that you live in.

There are costs associated with buying a home and these include a reservation fee, survey and mortgage arrangement fees, solicitors fees and removal costs. We recommend that you have around £5,000 to cover all of this. This is in addition to any mortgage deposit you intend to use.

Our rent is typically set at 2.75% per annum for the share you don’t own. Here’s an example: You’ve paid £90,000 for a 30% share of a home with a full market value of £300,000. The remainder still owned by us is 70%, or £210,000. We’ll charge you rent at 2.75% per annum, that equates to £5,775 over the year, or just over £480 per month. Remember that you’ll also be paying your monthly mortgage and any service charge payments.

These are charges payable by you as the shared owner to the landlord / freeholder for services the landlord is obliged to provide under the terms of the lease. At the time of purchase, service charges are estimates and the amount will then vary from year to year depending on services provided. The cost of these services are usually split between those living in the apartment block or on the estate. Service charges include items such as cleaning of communal areas, maintenance of communal car parks, grounds maintenance, communal lighting etc. We provide full details of all service charges to you before you buy a home with us and they are also outlined in your lease.

If you’re buying a house, it’s usually fine to bring your pets. We do have to check the lease, so please speak to us if you have pets.

Yes you can! You will need to let us know about any bigger projects such as home improvements and structural changes.

Subletting your home isn’t allowed but you can take in a lodger. We are here to help, so please get in touch if you want to speak to us about subletting.

The managing agent is the company appointed by the management company or they can be appointed by the freeholder of the building to run and manage the building and associated services. If Moat is the freeholder, we will collect service charges directly from leaseholders in accordance with the terms of the lease. If Moat is not the freeholder, we will still collect the service charges as the freeholder will collect them from us; we do not make any money from this, we are simply passing on the costs. The service charges will include management fees which are their fees for this service. This is usually only a very small element of the total service charge.

The management company are responsible for the collection of service charges and the delivery of management and maintenance services across the estate / development where you live. The role and obligations of the management company are specified in your lease or Transfer to Moat. The management company may choose to pass some or all of their responsibilities to a managing agent.

Moat logo
Homes England logo
Mayor Of London logo