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User Guide

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    Shared Ownership
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    NCHA develop new homes for sale across the East Midlands, with a focus on shared ownership.

    Shared ownership is another way to buy your own home. You buy a percentage, and pay rent on the rest. We own part of it - but you're living there, you decorate it, and you decide when to sell.

    Buying a percentage means a smaller deposit and smaller mortgage. It's a sooner first step on the ladder for lots of people. Usually, you can also carry on buying shares, to own it 100%.

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    Nottingham Community Housing Association
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    Nottingham Community Housing Association (NCHA); one of the largest locally-based housing groups in the East Midlands. We manage over 10,000 homes across the East Midlands in Nottinghamshire, Derbyshire, Lincolnshire, Leicestershire, Northamptonshire and Rutland.

    We've been developing new homes since 1973, and are working in partnership with 19 local authorities to build new affordable homes that meet local needs. This includes homes for sale, rent (at affordable rents, as well as market rents), shared ownership, and 'try before you buy' schemes.


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User Guide

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What is shared ownership?

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    Shared ownership is another way to buy your own home. You buy a percentage, and pay rent on the rest. The housing association owns part of it - but you're living there, you decorate it, and you decide when to sell.

    Buying a percentage means a smaller deposit and smaller mortgage. It's a sooner first step on the ladder for lots of people. Usually, you can also carry on buying shares, to own it 100%.

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    Who qualifies?
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    Anyone who does not currently own or part own a property and has a household income of less than £80,000 per year can apply.

    The properties are sold on a 990 year shared ownership lease. In addition to the rent a monthly estate service charge is payable. 

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    How to apply
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    All of our active shared ownership properties are advertised on our website along with any up and coming developments. If you are interested in one of our shared ownership properties, you can apply by completing our online application form. 

    Please note that we cannot accept applications without a specific address or development name, as we are unable to hold applications on file due to GDPR.

    Your affordability will be assessed based on the information you provide on the application form. NCHA will make an offer based on the amount you can afford, between 25 - 75%. If your application is successful a non-refundable reservation fee of £350 is required to reserve your new home, this amount goes towards your deposit on completion.


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Check out our available properties

You can see the properties we're currently marketing for sale by clicking the button below:

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User Guide

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Our Sales team

  • Introduction

    The sales of our shared ownership homes is carried out by our Sales team from its office in Nottingham. Providing new, attractive, affordable homes for people throughout the East Midlands.

  • Team Member

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    Sandra Wright - Sales Negotiator
    I am a Sales Negotiator for NCHA, specialising in selling shared ownership properties. I joined NCHA in 2003 so have many years experience.

  • Team Member

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    Dean Hall - Sales Negotiator
    My name is Dean, I have been working for NCHA Sales since 2009. We specialise in both shared ownership and outright sale properties. Contact us for properties for sale throughout the East Midlands.

  • Team Member

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    Keely Hedley- Senior Sales Negotiator

    Keely joined the team in 2022 with a vast experience in housing. Having worked for Derby City Council and Derwent Living she brings plenty of knowledge in the conveyancing process.

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    User Guide

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    Our customers

    • Introduction

      Shared ownership has helped people all over the East Midlands become homeowners, helping them to take their first step on the property ladder. We asked our customers what their experience has been like, and gave them the chance to tell their shared ownership stories.

    Testimonials from Sellers

    • Seller Testimonial

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      A fresh start thanks to shared ownership.
      "I brought my first house when I was 22 years. Due to a marriage breakdown I had to move into rented accommodation. After years of renting I was then forced to leave as the owner wanted to sell. I was keen to get back on the property ladder.

      During this period I also discovered that I had stage three bowel cancer. It was a worrying time but the support I received from Sandra and Wendy at NCHA Sales throughout has been much appreciated.

      I was quite particular when looking for a new home. So delighted when I managed to secure a semi-detached property that was south-facing and over-looking the countryside at Heage in Derbyshire.

      I feel so lucky to be living in the area where I grew up and close to my mum. By using NCHA's Shared Ownership scheme, I have been able to purchase a brand-new home that I can put my personal touch on and decorate the way I wish. I was also able to use the cash from the sale of my treasured Ford RS and a lump sum from my pension to purchase a 45% share of this house."

      Martin - Heage

    • Seller Testimonial

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      We found our place to call home.
      "We had been renting but desperate to become homeowners. It took us two years of house hunting as we struggled to find something within our affordability in the area.We had done a lot of research into the government schemes as we needed help to get us onto the property ladder. So when we came across this house on Rightmove which was available to buy with the help of shared ownership we felt that we were in a position to move fast.We instantly fell in love. We knew it was the house for us. 

      We called the NCHA Sales office on a Thursday to find out what we needed to do. They guided us through the process and over the weekend we had a mortgage offer approved. By the following Thursday we had signed and sealed the deal for this house. It was unbelievably quick but it felt so right. The house was still being built so we had signed off-plan. We used to drive past every day on the way to school hoping the builders would hurry up! 

      On completion, we collected the keys and then organised for the flooring to be fitted before we moved the family in. Everyone on the new development has moved in now and the neighbours are lovely. The children next door go to the same school, so we are already making friends. Our dream was also to own a dog and a cat, which we were not permitted to do in our rented house. Lisa our French bulldog joined our family in the first month of being in the house and we are so happy.

      The whole experience has been so easy for us and we would recommend shared ownership to others. We have a brand new house in the location we want to live, and a place to call home."

      Magdelena and Lukasz - Loughborough

    Testimonials from Buyers

    • Buyer Testimonial

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      buy what we wanted, where we wanted

      "We were really keen to buy. We wanted to buy a really nice house in a great area, but our finances didn't quite stretch to that. I didn't know anything about shared ownership, so I did a quick Google search and read lots of positive reviews from others who had brought houses that way. 

      The sale went through whilst we were in Cyprus. We brought off plan and didn't even see the house until we got the keys! Luckily we loved it! With all our communications with NCHA going through email, it was pretty easy really. 

      We've been able to buy a three bed detached house in a great location, close to both of our families. We never could have done that without the shared ownership scheme. It's been a great way for us to get on the property ladder. 

      I've already recommended it to loads of my mates back in Cyprus who are due to return to the UK soon. It's allowed us to buy what we wanted, where we wanted and I can't wait to properly move in!"

      Elliott - Wymeswold

    • Buyer Testimonial

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      this is me now - I'm not going anywhere!

      "I never thought I'd be able to afford to buy. It's so hard to get a deposit together, to earn money, pay for everything and save at the same time. Then I was unexpectedly left money when my Gran passed away. Suddenly I had what I needed for a deposit, this was my opportunity to get on the housing ladder. It was now or never. I felt guilty about using my Gran's money; but then I worked out I'd paid over £50,000 to my old landlord and that helped me make up my mind! 

      I had heard of shared ownership before, but I never thought of it as something for me. I thought they wouldn't accept me because of my previous debt, but I applied for it and I got it! I've always lived in old houses and I didn't think I liked new-builds, but I've been converted! It's so warm and clean; I've saved on utility bills already. I love the house, I love the location - this is me now - I'm not going anywhere! . 

      Shared ownership is such a great opportunity for people to get on the housing ladder. I think there's a stigma against housing associations and that puts some people off shared ownership, but if it wasn't for NCHA I never could have brought this house."

      Katy - Farnsfield

    • Buyer Testimonial

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      It was fate

      "I sold my family home and moved to Brailsford a few years ago to take up a work opportunity in Derby.  I'd rented here for a few years and love it, but when my landlord decided to sell the house I was living in, I was stuck. I'd looked at the new houses being built in the village, but the prices are so expensive. I had money from my house sale but it was not enough to buy a property here and I didn't want to be taking on a mortgage so close to retirement. 

      I'd never heard of shared ownership before a colleague mentioned it. I did a Google search and found these NCHA shared ownership properties, right on the same new development I had been looking at previously. It was fate! I had such great support from the NCHA Sales team. They were marvellous and helped me with any concerns or worries. 

      The process was so simple. I had to apply to Help to Buy East Midlands first to get a reference number, then I was free to contact NCHA. I keep recommending shared ownership to everyone; friends whose children are looking to buy, even my own daughter! I think people are hesitant because they don't understand what shared ownership is. They don't realise that you get the option to buy more as you can afford it. If someone is considering shared ownership, my advice is to just go for it!"

      Lorraine - Brailsford

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    Disclaimer

    The content on this Microsite has been uploaded by NCHA, Nottingham. Rightmove Group Limited makes no warranty as to the accuracy or completeness of the content, any queries should be sent directly to NCHA, Nottingham. Where properties are displayed on a page, this comprises a property advertisement. Rightmove Group Limited who operate the website Rightmove.co.uk makes no warranty as to the accuracy or completeness of the advertisement or any linked or associated information, and Rightmove has no control over the content. These property advertisements do not constitute property particulars. The information is provided and maintained by NCHA, Nottingham. Please contact the agent directly to obtain any information which may be available under the terms of The Energy Performance of Buildings (Certificates and Inspections) (England and Wales) Regulations 2007 or the Home Report if in relation to a residential property in Scotland and if you have any query over the content.

    *Guide Price: An indication of a seller's minimum expectation at auction and given as a “Guide Price” or a range of “Guide Prices”. This is not necessarily the figure a property will sell for and is subject to change prior to the auction.

    Reserve Price: Each auction property will be subject to a “Reserve Price” below which the property cannot be sold at auction. Normally the “Reserve Price” will be set within the range of “Guide Prices” or no more than 10% above a single “Guide Price.”

    Auction Fees: The purchase of this property may include associated fees not listed here, as it is to be sold via auction. To find out more about the fees associated with this property please call NCHA, Nottingham on +441158443400.