Trinity Rose is one of the only local and independent companies to offer shared ownership. Utilising our experience and local network, we work hand in hand with Registered Providers to ensure that shared ownership transactions are dealt with seamlessly. Along with our sister company ‘Charters Financial Services’ we ensure that every facet of the process is dealt with quickly and efficiently, from enquiry to completion.

Our USP is that we can deal with the whole process internally, providing an effective ‘one-stop-shop’ for all Registered Providers, including financial qualification of prospective buyers via our mortgage hub in Chandlers Ford.

What is Shared Ownership?

Shared ownership is a scheme that enables people who don’t own their own home to purchase a share in a brand new or resale property.

Simply put, you purchase a percentage share of your chosen property (10% minimum) and pay rent to the Registered Provider on the remaining amount. Purchasing a property using this method means that the amount of money you need for a deposit is much less due to the fact that you only need a mortgage for the percentage amount you are buying. Ergo, with a smaller mortgage this also means that you need a much smaller income to be able to buy a shared ownership property, which puts home ownership within reach for many people.

Once you have moved into your new home, you can also buy additional shares in the property at increments as low as 1% with many Registered Providers allowing you to buy right up to 100%. This process is called ‘Staircasing’, enabling you eventually own your own home outright. The more shares you buy, the less rent you pay!

Why buy a shared ownership property?

Shared Ownership is a great way to take your first steps onto the property ladder. If you have ever dreamed of owning your own home, but have been held back by your income or lack of a deposit (which is usually the most expensive part of a property purchase) then this route could be for you. Here are some reasons to consider buying shared ownership:

  • The rent that the Registered Provider charges you is below the open  market and is usually charged at 2.75% of the property value per annum.
  • Latest Government guidelines mean that you can start with a share as low as 10%.
  • Your deposit can be low as 5%, so if you were buying a one bedroom flat  at £180,000, your deposit could be as low as £900.
  • No stamp duty to pay initially.
  • Shared ownership is incorporated into many prime developments, so
    you can live in a sought after area.

Please note the following criteria which will need to be confirmed by the relevant Registered Provider:

  • You must be at least 18 years old
  • Your household income must be less than £80,000 (£90,000 in London)
  • You cannot purchase a house on the usual open market route
  • You are not in mortgage or rent arrears
  • You have a good credit rating and can afford the payments and costs
    associated with a house purchase
  • You must have money to cover the cost of buying a home
  • You will need access to a deposit.




“I recently used Trinity for a survey on our to-be property. Yasmin was prompt in responding and the surveyor rang me to give a verbal report on the day. The price was in line with other quotes I had but I chose Trinity Rose because of Yasmin – she was polite and friendly. Many thanks”. 

Blue Boy

Trinity House, 123 Winchester Road, Chandlers Ford, Hampshire SO53 2DR

t: 01962 880426

Top Floor, Trinity House, 123 Winchester Road, Chandlers Ford, Hampshire SO53 2DR

t: 01962 888900

Trinity House, 123 Winchester Road, Chandlers Ford, Hampshire SO53 2DR

t: 01962 880426

Shared ownership valuations to RICS Valuation Standards (Red Book)​