Achieving „value for money‟ is a main concern on housing construction projects particularly for average income earners employed in key sectors such as the police force, education, and healthcare. This paper reviews a yet uncommon way of delivering dwelling units for this category of „Key workers’. The scheme-Shared-Ownership- allows the end user to engage in a staged (gradual) process of ownership (Stair-casing), and has proved to be a viable option for providing housing units in the United Kingdom mainly via housing associations. The scheme can be a viable option in the urban African affordable housing market, with a main proviso; that its adaptation must be compatible with the operation of small scale property developers. Its success rests on the premises that a) Governments motivate financing institutions to develop mortgages more suited to the financial capability of this range of salaried workers and b) Maintenance programmes via the use of service charges are incorporated into the legal documentation for the sale/rental of such units. This paper argues that the shared-ownership model has real potential and can be suitably adapted to various scales of housing developers, and significantly, facilitates a gradual ownership proces
