Shared Ownership Greenwich

Find Shared Ownership Homes in Greenwich, London

Buying a home in London can feel out of reach – but shared ownership in Greenwich offers a more affordable way to get on the property ladder.

At Moat, we’ve been helping people find a place to call home for over 25 years. Here you’ll find everything you need to know about shared ownership in Greenwich, including how it works, the costs involved, how to get a mortgage, and the homes currently available across this vibrant South East London location.

Where is Greenwich?

The Royal Borough of Greenwich is one of South London’s most sought after locations situated. It stretches from Deptford in the West, across to Charlton in the East, and extends south to the A2 that cuts through Blackheath and Eltham, and north up to Woolwich and the River Thames.

Greenwich is known for offering plentiful green space, an abundance of restaurants and leisure opportunities, alongside excellent travel links to central London and beyond.

Living in Greenwich

Transport links are excellent in the borough, with several overground and underground train stations (including the Elizabeth line), as well as bus routes connecting to the rest of London. The DLR and Thames Clipper provide easy access to Canary Wharf and the City of London.

If you’re interested in living in Greenwich, there are lots of new developments to choose from that sit along the riverside. These include Deptford Creek, Greenwich Peninsula and Royal Arsenal Riverside.

Why Choose Shared Ownership in Greenwich?

Shared ownership in Greenwich offers an affordable way to get on the property ladder in London, with lower upfront costs than buying on the open market. By purchasing a share in a home and paying rent on the remainder, it’s a flexible option designed to make home ownership more accessible.

Ideal for first-time buyers, professionals and families, shared ownership in Greenwich allows you to live in one of South East London’s most desirable areas without the need for a large deposit. With a mix of modern homes and excellent transport links, it’s a practical way to put down roots in a well-connected location.

Explore how shared ownership works, check your eligibility, and discover homes available in Greenwich to take your first step onto the property ladder.

Available Shared Ownership Homes in Greenwich

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New homes

Holly Court - Ref JC2505110100

John Harrison Way, Greenwich, London SE10 0BL

£1,460 estimated monthly cost

1 bedroom

1 bathroom

Shares from 35%

Full market value from £360,000

New homes

Kilby Court - Ref JT2604111249

Kilby Court, Child Lane, London SE10 0PZ

£2,050 estimated monthly cost

2 bedrooms

1 bathroom

Shares from 50%

Full market value from £500,000

New homes

Edison Court - Ref JB1912105819

Edison Court, Greenwich, London SE10 0DQ

£1,663 estimated monthly cost

2 bedrooms

1 bathroom

Shares from 40%

Full market value from £375,000

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.

Shared Ownership Greenwich

Find Shared Ownership Homes in Greenwich, London

Where is Greenwich?

Living in Greenwich

Why Choose Shared Ownership in Greenwich?