Flats & houses for sale in Tunbridge Wells

Properties for Sale in Tunbridge Wells - Part Rent / Part Buy

Royal Tunbridge Wells is a great choice of location for a new home - with plenty of green spaces, beautiful villages, country pubs and a vibrant town centre. 

Where is Tunbridge Wells?

Tunbridge Wells lies in the heart of the beautiful High Weald Area of Outstanding Natural Beauty in the North of Kent, close to the border of East Sussex.

Royal Tunbridge Wells is a town that exudes quintessential English charm less than 1 hour from London and Hastings. Regular trains run from Charing Cross, London Bridge and Waterloo East.With its rich history, stunning natural beauty, and a plethora of cultural attractions, it’s no wonder that this town has become a popular destination for visitors and a beloved home for many.

Living in Tunbridge Wells

Royal Tunbridge Wells itself boasts a bustling town centre with stylish boutiques, art galleries, theatres and numerous bars, cafes and restaurants. It also offers a selection of outlets and shopping centres, including Royal Victoria Place and Hoopers. It’s an ideal town to own find your first property and enjoy your very own apartment.

Tunbridge Wells also provides plenty of outdoor opportunities, with routes for horse riding, cycling and walking, as well as clubs for cricket, tennis and golf. It additionally houses a number of spas and health clubs, including the popular Champneys City Spa. 

On the outskirts of town are a plethora of pretty English villages, including Cranbrook, Sissinghurst, Southborough and Paddock Wood - each with their unique charm and amenities. 

 

Shared ownership in Tunbridge Wells

Shared ownership is currently one of the most affordable home ownership options and gives many people, often first-time buyers, a chance to get on the property ladder. Homes in Tunbridge Wells can be expensive, so shared ownership is the perfect way to secure a home in this beautiful part of the world.

You can browse some of our apartments and houses for sale in Tunbridge Wells below or search in our extensive list here. We also have homes in the neighbouring communities of Tonbridge and Malling, Maidstone and Sevenoaks, as well as wider Kent.

Our information hub is a fantastic place to start if you want to learn about how shared ownership works and if it is right for you. Our Moat team are always on hand if you have any particular questions you would like answered. 

Resale

Elm House

Tunbridge Wells, Kent, TN2 3YN

£1,301 estimated monthly cost

2 bedrooms

1 bathroom

Shares from 35%

Full market value from £305,000

Resale

Cedar House - 1st floor

Tunbridge Wells, Kent, TN2 3FY.

£1,150 estimated monthly cost

1 bedroom

1 bathroom

Shares from 50%

Full market value from £220,000

Resale

Birch House - First floor

The Avenue, Tunbridge Wells, Kent, TN2 3FW

£1,058 estimated monthly cost

1 bedroom

1 bathroom

Shares from 45%

Full market value from £220,000

Resale

Birch House - Second floor

The Avenue, Tunbridge Wells, Kent, TN2 3FW

£1,100 estimated monthly cost

1 bedroom

1 bathroom

Shares from 50%

Full market value from £220,000

Resale

Golding Road

Tunbridge Wells, Kent TN2 3FP

£1,931 estimated monthly cost

3 bedrooms

1 bathroom

Shares from 40%

Full market value from £450,000

Resale

Birch House

The Avenue Tunbridge Wells Kent TN2 3FW

£990 estimated monthly cost

1 bedroom

1 bathroom

Shares from 40%

Full market value from £220,000

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.

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.

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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