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Generally, the affordability and eligibility criteria for purchasing a pre-owned shared ownership property (resale) are not as restrictive as they are for New Build shared ownership homes. This is why many applicants find resales an appealing option.

People applying for resales:

  • Cannot apply if their gross household income exceeds £80,000 per annum if they are looking to buy outside of London or £90,000 if they wish to buy in London
  • Should not be able to buy a similar home outright
  • Have at least £4,000 in saving to cover legal fees
  • Have a deposit to put towards the purchase of the property
  • Should have been in permanent employment for at least six months or have passed their probation. If they are self-employed, they'll need three years audited accounts

Meeting the costs of home ownership

We advertise recommended income levels for each resale as a guide to how much you would possibly need to earn to meet the affordability criteria for that property, however if you have a large deposit you would not need to earn as much as the recommended income level. Your affordability will be checked by a qualified financial advisor if we offer the property to you.

Prioritising applicants

Applicants who live or work in the borough the available property is in are prioritised ahead of applicants who do not, however, we will offer to applicants outside of that borough if no applicants can be found to buy the resale within the borough.

If you are currently a homeowner and are looking to move to another shared ownership property you would need to have a buyer in place for your property before we can consider you for a resale.

Start your search

Use our property search tool to find properties you are interested in. You can add properties to your shortlist, or request alerts for properties that match your criteria by registering with My Alerts.

If you find a property you are interested in, simply contact Urban Moves whose contact details are at the bottom of the property advert and a member of their team will discuss the property in more detail with you.

Register for property alerts



Please note the minimum incomes may vary for each scheme.

The information on this website concerning eligibility for pre-owned shared ownership was current and correct when the website was last updated.

Eligibility criteria changes regularly and we make no representations or warranties with respect to the current accuracy of this information.

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