Shared Ownership in Dartford

One, two and three shared ownership bedroom properties

If you want all the convenience of living in the city but are still keen to enjoy the more rural side of life, Dartford is a great option to explore. With the nearby modern micro city of Ebbsfleet giving the area a rejuvenated feel and the iconic Bluewater shopping centre a stone's throw away, Dartford offers trendy urban living at its most affordable. Moat are helping more first-time buyers get onto the property ladder with ease in a location they love. Shared ownership in Dartford is a great option for anyone looking to invest in a dynamic area with an inimitable vibrance and community feel.

If you are looking for a property close to Dartford and with easy access to the capital, then look no further than our Harbour Village development launching soon, boasting a fantastic specification. With a community of families, first time buyers and young professionals bringing life and colour to this garden city. You are never far from a wander through the wondrous wonderland within this valley with these homes for sale in Dartford.

One of the most remarkable features about a move to Dartford is the range of leisure facilities to explore. From Pirate Adventure Golf to woodland walks, this first-time buyer hotspot is an unmatched opportunity for young families with the vast outdoor areas perfect for little ones. With a wide variety of outstanding schools in the area such as Dartford College of Science and Technology Wilmington Grammar there is a great sense of ambition and optimism for its young people here. Dartford also houses the Bluewater shopping centre, which is home to over 300 shops, 50 restaurants and a 13 screen cinema.

Shared ownership is one of the most affordable home ownership options available. It is particularly helpful for first-time buyers, providing a realistic option to get on the property ladder, making these properties in Dartford an ideal first home.

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

Resale

Russet Walk

Greenhithe, Kent, DA9 9WY

£1,199 estimated monthly cost

2 bedrooms

1 bathroom

Shares from 40%

Full market value from £270,000

New home

Moat at Crossways

Crossways, Greenhithe DA2 6GN

£984 estimated monthly cost

1, 2 bedrooms

1 bathroom

Shares from 25%

Full market value from £242,500

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.

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).

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.

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.

Like any home owner, you are fully responsible for the day to day maintenance of your home. If you buy a house, it is your responsibility to keep both the interior and the exterior of your home in good repair. If you buy an apartment, the freeholder of the block is responsible for maintenance of the common parts and the exterior of the building. You will be responsible for undertaking any maintenance or repairs inside of your apartment.

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.

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.

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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