Shared Ownership in Ashford

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Shared Ownership Homes for Sale in Ashford

Shared ownership is an increasingly popular way to buy a home in Ashford, especially for first-time buyers or those who may not be able to afford a property outright. 

This government-backed scheme allows you to buy a share of a home, typically between 10% and 75%, and pay a reduced rent on the remaining share to a housing association. 

We offer shared ownership homes in sought-after developments. Here, you’ll find a selection of shared ownership homes, providing an affordable route onto the property ladder in a desirable, well-connected neighbourhood.

Where is Ashford?

Ashford is a historic market town located in the heart of Kent, in the picturesque South East of England. Positioned on the banks of the River Stour, at the southern edge of the North Downs, Ashford enjoys a stunning natural setting with easy access to both countryside and coast. The town lies approximately 61 miles south-east of central London, just 15 miles from the English Channel at Folkestone, and benefits from excellent transport links, making it a key commuter and travel hub in the region.
Ashford is home to the Ashford International railway station, offering high-speed rail services that connect to London St Pancras in under 40 minutes and direct Eurostar routes to mainland Europe. The M20 motorway runs adjacent to the town, providing seamless road access to Maidstone (just 18 miles away) and Canterbury (roughly 14 miles to the north-east). 

Whether you're commuting to the capital, planning day trips to Canterbury’s historic cathedral or Maidstone’s vibrant shopping areas, or heading to the coast for a weekend escape, Ashford offers the perfect mix of convenience, charm, and countryside living.

This central location makes Ashford an ideal base for exploring Kent’s diverse attractions while enjoying the benefits of a well-connected town with a rich heritage.

Living in Ashford

Life in Ashford offers the perfect blend of tradition and modernity. The town has seen significant growth in recent years, making it a popular choice for families, professionals, and commuters alike. Residents enjoy a wide range of amenities, including shopping centres, cinemas, restaurants and leisure facilities. Popular residential areas such as Kennington, Park Farm, and Singleton are known for their strong sense of community and access to green spaces. Ashford was recently named one of the UK’s top commuter towns. With beautiful countryside on the doorstep and London less than 40 minutes away by high-speed train, Ashford offers an enviable lifestyle.

Why Choose Moat Homes in Ashford?

Choosing a home with us in Ashford means enjoying modern living in a welcoming community. Our developments are designed with comfort and convenience in mind, making them ideal for individuals, couples, and families. Residents benefit from excellent local amenities, reputable schools, and easy access to both the town centre and major transport links. With shared ownership, we make it possible to own a contemporary property in one of Kent’s most attractive locations, combining affordability, style and a fantastic quality of life.
Shared ownership, a part buy part rent model backed by Homes England, is one of the most affordable home ownership options available in the area, allowing you to reduce your initial costs by purchasing a share in a home and paying rent on the remaining value.

Within the scheme, we offer everything from city apartments to family homes, so whether you're looking for shared ownership in Ashford, Tonbridge & Malling, Gravesham or the wider Kent area, get started on the property ladder with your dream home through Moat.

If you need more information, please read through our FAQs, or information hub and deep dive into what is shared ownership here.

For shared ownership properties in the wider Kent area, please see our page on shared ownership Kent.

Why choose Moat Homes?

We are a leading housing association, owning and managing over 23,000 homes in the South East. We are experts in the area and surrounding areas of Kent and Canterbury and have a number of shared ownership homes that are available. 

We are incredibly proud to be:

  • An experienced and compassionate landlord in our communities

  • Dedicated to building strong relationships with the local authorities in the areas we work in

  • One of the Homes England delivery partners, developing around 300 new homes every year

  • Financially strong, allowing us to deliver excellent services to our customers and build new homes

  • An expert in providing shared ownership

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Resales

Meridian House - GT/SC2511110770

Ashford, Kent, TN23 1AG

£872 estimated monthly cost

2 bedrooms

2 bathrooms

Shares from 25%

Full market value from £230,000

Resales

Otterden Close - Ref JT2603111146

Stanhope, Ashford, Kent, TN23 5TG

£745 estimated monthly cost

2 bedrooms

1 bathroom

Shares from 45%

Full market value from £160,000

Resales

Long Meadow Drive - Ref RG2604111257

Long Meadow Drive, Smarden

£1,767 estimated monthly cost

3 bedrooms

1 bathroom

Shares from 50%

Full market value from £415,000

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.

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