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Find Your Place in South East London

South East London is one of the capital’s most diverse and well-connected areas, offering a mix of vibrant communities, green spaces and excellent transport links. Shared ownership homes in South East London provide an affordable way to step onto the property ladder while enjoying everything London living has to offer.

From lively boroughs to more residential neighbourhoods, the area continues to attract first-time buyers and professionals looking for a balance of city living and community feel.

Buying a home in South East London

Buying a home in London can be challenging, with rising property prices making it difficult for many buyers to get onto the property ladder.

Shared ownership offers a more accessible solution, allowing you to buy a share of your home and pay rent on the remaining portion. This reduces the initial cost of buying and makes homeownership more achievable, particularly in high-demand areas like South East London.

Whether you’re looking for a new home or a resale property, shared ownership homes in South East London provide a flexible way to take your first step.

Affording a home in South East London

 Buying a home in London can feel out of reach for many first-time buyers, particularly when it comes to saving a deposit and meeting mortgage requirements.

Shared ownership offers a more accessible alternative by allowing you to buy a share of a property, meaning your deposit and mortgage are based on the portion you own rather than the full value of the home. This can significantly reduce upfront costs and make monthly payments more manageable.

You can also explore how much you could afford using our budget calculator, or find out more in our mortgage guidance section, helping you understand your options before you begin your search.

To be eligible for shared ownership in London, your household income must typically be less than £90,000 per year. You can find full details on our shared ownership eligibility page to see if you qualify.

Transport links in South East London

South East London benefits from excellent transport connections, making it an ideal location for commuters.

Many areas are served by National Rail, London Underground and DLR services, offering direct routes into central London, Canary Wharf and beyond. Stations are often within easy reach, making day-to-day travel straightforward and efficient.

The introduction of the Elizabeth line has further improved connectivity across parts of South East London, providing faster and more convenient links into central London and key destinations across the capital.

Road connections also provide access across London and the South East, giving residents flexibility whether travelling for work or leisure.

Things to do in South East London

South East London is known for its mix of green space, culture and local neighbourhood spots, giving it a distinct character compared to other parts of the capital.

Greenwich is a major highlight, with riverside walks, independent shops and landmarks such as Greenwich Park and the Cutty Sark. Nearby, Blackheath offers a more relaxed setting with open space, cafes and a village feel just minutes from the city.

Across Lewisham and Deptford, you’ll find a growing food and cultural scene, from markets and street food to independent bars and creative spaces. 

For outdoor space, South East London offers plenty of choice, with parks such as Beckenham Place Park and Hilly Fields providing space to walk, relax or spend time with family and friends.

With easy access to central London, residents can also enjoy everything the capital has to offer, while still benefiting from a more local, community-led lifestyle closer to home.

Shared ownership in South East London

Shared ownership homes in South East London offer a practical and affordable way to get onto the property ladder in the capital.

By buying a share of your home and paying a reduced rent on the remaining portion, shared ownership makes homeownership more accessible without needing a large deposit.

With homes available across a number of boroughs, you can choose a location that suits your lifestyle and budget.

You can explore current availability through our
shared ownership homes search
or learn more about the process in our
shared ownership guide.

You may also be interested in exploring shared ownership homes in:

Our homes in South East London

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Resales

Baroque Gardens - SC/GT2509110655

Lewisham, London, SE16 7EL

£1,098 estimated monthly cost

1 bedroom

1 bathroom

Shares from 25%

Full market value from £370,000

Resales

Baroque Gardens - Ref RG2606111467

Baroque Gardens, Mary Rose Square, Lewisham, London - RG2606111467

£1,250 estimated monthly cost

1 bedroom

1 bathroom

Shares from 25%

Full market value from £435,720

Resales

Baroque Gardens - Ref RG2605111352

Baroque Gardens, Mary Rose Square, Lewisham - Ref RG2605111352

£1,810 estimated monthly cost

3 bedrooms

2 bathrooms

Shares from 25%

Full market value from £600,000

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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