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Shared Ownership properties
Available on selected homes, with Shared Ownership you could enjoy all the benefits of life in our welcoming communities – without paying the full price.
All the benefits – for less
Looking for a more affordable way to enjoy our easier lifestyle? We want to make our beautiful homes available to as many people as possible, which is why we offer Shared Ownership to people aged 55 and over in partnership with Homes England.
It means you could secure a new home at considerably below the market rate – on average our homeowners save around £80,000 – and our support takes the stress out of the process.
If you’d like the chance to buy a brand new retirement home from as little as £120,000, Shared Ownership could be for you.
How Shared Ownership work at McCarthy & Stone
It allows you to buy a share of your home of between 10 and 75%, reducing the amount you have to pay upfront. If you buy a 75% share you’ll enjoy your home rent free. For smaller shares you will pay some rent. For example:
If you buy 75%, a £300,000 home would cost you £225,000 with no rent to pay
If you buy 50%, a £300,000 home would cost you £150,000 with some rent to pay*.
Shared Ownership means real savings
178 peoplemoved into your homes with Shared Ownership in 2025
£80,000 saved on average
£14.5 million saved in total
Why choose Shared Ownership?
Moving into a McCarthy & Stone property with Shared Ownership has many benefits:
- Reduces the cost of moving by tens of thousands of pounds
- Saves you up to £500/pa towards essential repairs for 10 years**
- Your efficient new home is likely to lower your energy bills
- Means less maintenance and fewer day-to-day chores
- Offer a more manageable and enjoyable lifestyle
Are you worried it’s not for you? Don’t be.
Research shows many people are put off because they don’t think Shared Ownership is for them.
- 60% don’t explore Shared Ownership because they assume they don’t qualify
- 52% believe support is “meant for people worse off than me”
- 20% say it all feels too complicated
The reality? More people are eligible for shared Shared Ownership than you might expect so it’s definitely worth exploring – it’s all about choice, flexibility and making your money work harder for you. And, our expert help will make the process easy.
Call McCarthy & Stone to book your free no obligation Shared Ownership consultation on 0800 201 4811.
How to buy a Shared Ownership retirement property
Retirement Living
Easy independent living for people aged 60 and over. You’ll be looked after by a House Manager and enjoy shared amenities and a friendly community on the doorstep.
Retirement Living Plus
Independence combined with flexible assisted living for people aged 70 and over. Benefits include a chef-run bistro and optional Lifestyle Services from laundry to pet-sitting.
Had it not been for OPSO and McCarthy & Stone, our options would have been significantly less. I think this may have left us stuck in a property which was having a negative impact on our wellbeing.
Norman and Moya, homeowners, Elderton Place
*Other shares available, with monthly rent. Qualifying criteria apply. Shared Ownership is available on selected apartments at participating developments only. Not available with Part Exchange.
**This covers items in the home that supply water and electricity such as basins, baths, toilets and also cables, but not fixtures, or appliances such as ovens or washing machines. Pipes and drainage items for heating and hot water are also included.
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