Shared Ownership Mortgages

Shared ownership mortgages - the knowledge

Shared ownership mortgage products are used to purchase homebuy or more commonly known shared ownership properties.

Shared ownership means that you literally share the ownership of the property with a housing association or a council. (Registered social landlords)

With a shared ownership mortgage you can buy from a 25% share up to 75% share on day 1. After the initial purchase most shared ownership mortgage products allow you to increase your share over time.

Shared ownership mortgages are not offered by all lenders and in fact are quite scarce but that is where we can help you locate a suitable shared ownership mortgage.

Sometimes called part rent part buy, shared ownership can help first time buyers, it can help you get your first step on the property ladder, it can help you buy a bigger property than you could afford on the open market, it could help you buy in a more prime location.

With a shared ownership mortgage you can usually finance 100% of your share but you will most likely need to set aside some money for associated fees.

We have a range of shared ownership mortgages to suit most needs whether that be a need for self certified income or that you have past credit problems or that you want a fixed rate etc.

Our aim is to help you onto the property ladder, we are friendly, down to earth, efficient and when it comes to shared ownership mortgages we know our stuff!

The overall cost for comparison is 8.7% APR. The actual rate will depend upon your circumstances. Ask for a personalised illustration.



Your home may be repossessed if you do not keep up repayments on your mortgage. Authorised and regulated by the Financial Services Authority.

Broker fee only £645 on completion.