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Shared Ownership

Your shortcut to home ownership.

Same day enquiry

We’re here between 9am and 8pm Monday to Thursday, 9am to 7pm on Friday. If you contact us by 5pm we guarantee to get back to you the same day. If it’s after 5pm, we can’t promise we’ll be able to reply on the same day, but we’ll do our very best.

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Your home may be repossessed if you do not keep up repayments on your mortgage.

Why wait to get on the property ladder?

A Shared Ownership property can help you onto the property ladder sooner. And with that big hurdle out of the way, we don’t think your circumstances should get in the way of securing a mortgage.

Buying a share of a home and paying rent on the rest could be a great first step to owning a house outright later on. We’ve helped many people take that first step, even with less than perfect credit histories. That’s because we consider all your individual circumstances, not just your credit profile, other lenders’ red flags are often our green lights.

Talk to us about a Shared Ownership mortgage if:
  • You’re buying a flat six storeys (or more) up.
  • You’re self-employed, freelance, a contractor, or have several sources of income.
  • You’re retired, or will retire before you pay off your mortgage.
  • You rely on bonuses or overtime to top up your wages.
  • You have less-than-perfect credit history.
At a glance:
  • Borrow up to 75% of the property’s market value (and 100% of your share).
  • Mortgages from £3,000 - £250,000.
  • Borrow over 3 to 40 years.
  • Fixed rates from 6.74%.
  • Variable rates from 5.99%.
  • No early repayment charges.
  • Interest-only repayment options.
  • Maximum age: 80 at end of term.
  • Remember, you'll have rental payments as well as monthly mortgage repayments to maintain.
Overall cost for comparison

For example: A mortgage of £85,000 payable over 20 years on our variable rate for the loan term of 20 years at our current rate of 5.99% (variable) would require 240 monthly payments of £638.90 plus a redemption administration fee of £150.00.

The total amount payable would be £153,485.99 made up of the loan amount plus interest on the loan (£61,034.27), processing fee (£2,125.00) and arrangement fee (£2,125.00) plus interest on these fees (£3,051.71) and the redemption administration fee (£150.00).

The overall cost for comparison is 6.8% APRC representative.

The actual rate available will depend upon your circumstances. Ask us for a personalised illustration.

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