What we do

Treat you fairly
Keep it simple
Guide you from quote to completion
Help you locate shared ownership properties
Advise you and recommend a suitable mortgage for you
Give you personalised service
Bend over backwards to get the mortgage for you
Be sympathetic to your requirements
Treat you as an individual
Work efficiently and proactively

What we don't do

Hard sell
Talk jargon
Use faceless call centres
Get put off by problems
Give up
Treat you as a number
Talk at you
Transfer you from department to department
Forget you after completion

Shared Ownership Mortgages

Shared ownership mortgages - FAQs

Get a FREE shared ownership mortgage quote

To help you decide if a shared ownership mortgage might be for you we have compiled a list of questions that our customers most frequently ask.

If we haven't covered your question then we are only a phone call or email away and always eager to help you.

Q) Can I do a shared ownership mortgage on any property?

Shared ownership mortgages can only be secured on properties offered by housing associations or councils, sometimes in association with major house builders.

Q) How much will the rent cost?

This depends on the value of the property but as a rough idea use this calculation: Take the value of the share you are not buying then x it by 3% and divide by 12 to get your monthly rent.

Q) How long does a shared ownership mortgage take?

If you have already found a property then the mortgage process should take approx 2-3 weeks.

Q) How much are the fees with shared ownership?

As a rule of thumb you will have solicitor fees and mortgage broker fees, the solicitor would be approx £458 and we as brokers would charge £645, dependent on the lender they may also charge a fee.

Q) Can I add fees or borrow extra?

Unfortunately with shared ownership mortgages nothing can be added because the lender is already lending at 100% of your share.

Q) Where do I find shared ownership properties?

There are lots of links on this site to local housing associations and organisations that sell shared ownership properties, it is also worth doing a Google search for example "Shared ownership properties in Sheffield" Or call us and we can try to point you on the right direction.

Q) Can I self certify my income on a shared ownership mortgage?

Yes we do have lenders that will allow you to do this on both purchase and remortgage.

Q) Can I still do a shared ownership mortgage with adverse credit?

Yes we have lenders who cater from very light adverse all the way up to unlimited adverse credit.

Your home may be repossessed if you do not keep up repayments on your mortgage. The overall cost for comparison is 6.5% APR. The actual rate will depend upon your circumstances. Ask for a personalised illustration. Broker fee only £645. Authorised and regulated by the Financial Services Authority.