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From Coast to Countryside, Find Your Home in Kent

Kent is one of the most desirable places to live in the South East, offering everything from historic cities and vibrant commuter towns to charming villages and coastal communities. Shared ownership homes in Kent provide an affordable way to get onto the property ladder, whether you're looking for a home close to London, near the coast or surrounded by countryside.

With shared ownership properties available across Kent, including locations such as Canterbury, Maidstone, Ashford, Medway, Sevenoaks, Whitstable and Herne Bay, there are options to suit a wide range of lifestyles, budgets and commuting needs.


Why choose Kent for shared ownership

For many buyers, Kent offers the opportunity to enjoy more space and value compared to locations closer to London, while still benefiting from strong transport connections.

Shared ownership makes buying a home in Kent more accessible by allowing you to purchase a share of a property and pay rent on the remaining portion. This reduces the upfront deposit required and can make monthly costs more manageable.

From coastal locations such as Whitstable and Herne Bay to commuter hotspots such as Ebbsfleet, Dartford and Sevenoaks, shared ownership opens the door to some of Kent's most desirable places to live.

Why live in Kent

Kent encompasses everything from vast areas of outstanding natural beauty, charming country villages and vibrant micro cities that bring a sense of London living with an abundance of space and a fraction of the cost.

Making a move to the Garden of England is a dream for many, whether it’s a move for the family or a chance to get onto the property ladder, the views or the quick commutes to central London make Moat shared ownership the ideal choice for first time buyers and people looking for a new shared ownership home.

At Moat, we offer a fantastic range of high quality one and two bedroom apartments and two, three and four bedroom houses for sale. Shared ownership offers first-time buyers a real opportunity to purchase their first home.
North Kent

North Kent is one of the county's most well-connected areas, making it particularly popular with commuters.

Locations such as Dartford, Gravesham, Ebbsfleet and Medway benefit from excellent rail connections, major road networks and ongoing investment. From vibrant town centres to riverside communities,
 
North Kent offers a range of homes and lifestyles within easy reach of London.

Mid Kent

Located at the heart of the county, Mid Kent combines convenience with countryside living.

Maidstone offers excellent shopping, leisure facilities and transport links, while villages such as Lenham provide a quieter pace of life surrounded by beautiful countryside. This area is ideal for those seeking a balance between rural charm and everyday convenience.
East Kent

East Kent is home to some of the county's most popular locations, combining coastal living, historic destinations and strong transport links.
Canterbury, Ashford, Faversham, Whitstable and Herne Bay each offer something different, from city living and culture to seaside charm and village communities. With access to high-speed rail services and some of Kent's most beautiful landscapes, East Kent continues to attract buyers looking for a lifestyle change.

West Kent

West Kent is known for its green spaces, excellent schools and desirable commuter locations.
Areas such as Sevenoaks offer direct rail services into London alongside a high quality of life, making them particularly attractive to professionals and families looking for more space while remaining well connected. 

Affording a home in Kent

Saving for a deposit can be one of the biggest challenges when buying a home.

Shared ownership provides a more affordable route onto the property ladder by allowing you to purchase a share of a property while paying rent on the remaining portion. Because your mortgage and deposit are based on the share you buy, the upfront costs are often lower than purchasing a home outright.

You can explore what you could afford using our budget calculator, learn more about financing your home in our mortgage guidance, or check whether you're eligible through our shared ownership eligibility page.

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.

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