We use cookies to give you the best possible experience on our website. If you continue without changing your settings, we'll assume that you're happy to receive all the cookies on our website. However, you can change your cookie settings at any time.

Your Privacy

When you visit any website, it may store or retrieve information on your browser, mostly in the form of cookies. This information might be about you, your preferences or your device and is mostly used to make the site work as you expect it to. The information does not usually directly identify you, but it can give you a more personalised web experience.

Because we respect your right to privacy, you can choose not to allow some types of cookies. Click on the different category headings to find out more and change our default settings. However, blocking some types of cookies may impact your experience of the site and the services we are able to offer.

Strictly Necessary Cookies

(Req)

These cookies are strictly necessary for the Website to work properly and for us to keep it secure. They are needed to allow users to use the Website and its features, including to move between pages of the website.

These cookies are required

Performance and analytical cookies

These cookies allow us to collect certain information about how a user navigates the Website. These cookies collect information that is used either in aggregate form to help us understand how our site is being used or how effective are marketing campaigns are, or to help us personalise our site for you. We use Google analytics and Bing 1st party cookies, Google Marketing Platform cookies and Hotjar cookies for reporting purposes.

Cookie Name Purpose More information
Bing Ads mui(x), _uet(x) Remarketing script and conversion tracking  
Google Marketing Platform Cookies _ide, _nid, _sid, _dsid, _flc, _aid, _taid These are 3rd party cookies served by Google Marketing Platform. They serve adverts to visitors based on the websites they've been to previously. Click here for more information about Google Marketing Platform and how to disable this cookie.
Facebook   Personalise and provide products via Facebook marketing. Click here for more information about Facebook cookies.
Flash Taking   These are 3rd party cookies served by Flash Taking. They serve adverts to visitors based on the websites they've been to previously. Click here for more information about Flash Taking and how to disable this cookie.
Google Analytics _utm(x), _ga(x), _gid, amp_token These cookies are used to collect information about how visitors use our website. They keep track of when a visitor enters and leaves the website and any search engines and keywords that are used, including any personal and/or sensitive data. Click here for more information about Google Analytics cookies.
Hotjar _hj(x) These cookies are used to record anonymous videos about how visitors use our website. They keep track of how visitors engage with pages on our website. Click here for more information about Hotjar and how to disable this cookie.
ResponseTap   These are 3rd party cookies served by ResponseTap. They serve incoming phone numbers to visitors to allow call volume tracking. Click here for more information about Response Tap cookies.
The trade desk   These are 3rd party cookies served by The trade desk. They serve adverts to visitors based on the websites they've been to previously. Click here for more information about trade desk and how to disable this cookie.

Marketing cookies

These cookies are used to make advertising messages more relevant to you. We may use this data to tailor the marketing and ads you see on our own and other websites and mobile apps, including social media.

Your shortcut to the property ladder

Mortgages for Shared Ownership schemes.

  • Borrow up to £250,000.
  • Fixed rates from   6.74%*.
  • t-doc-tick-white-02 Variable rates from 5.99%*.
  • No Early Repayment Charges.
  • Borrow up to 100% of your share**.
** Or 75% of the total market value, whichever is less. *The actual rate and loan-to-value ratio offered will depend on your individual circumstances.
  4.7/5 average rating by independent customer feedback

In order to best support our existing customers in these unprecedented times, we have made the difficult decision to stop accepting new product applications for the time being.
If you already have an application in progress with us and wish to discuss it, please get in touch with your introducing broker or contact us on 0161 933 7113.

Why wait?

Choosing a Shared Ownership property could help you onto the property ladder sooner. And with that big hurdle out of the way, we don’t think your employment or credit circumstances should automatically prevent you from securing a mortgage.

Fortunately, other lenders’ red flags are our green lights. Remember, you'll have rental payments as well as monthly mortgage repayments to maintain.

A range of options

You can choose for your mortgages to last up to 40 years, to help make your monthly payments more affordable. And we offer both repayment and interest-only options.

Plus, if you ever decide you want to increase the share of your home that you own, we can look at options to extend your borrowing.


Overall cost for comparison

For example: A mortgage of £106,800 payable over 17 years, initially on a fixed rate for 5 years at 5.6% (and then on a tracker rate for the remaining 12 years at 0.5% above the Together Homeowner Managed Rate (THMR)) would require 60 instalments of £833.14 followed by 144 monthly payments of £822.03 plus a redemption administration fee of £110.00.

The total amount payable would be £168,471 made up of the loan amount (£106,800) plus interest on the loan (£57,455), arrangement fee (£2,670) plus interest on this fee (£1,436) and the redemption administration fee (£110.00).

The overall cost for comparison is 6% APRC representative.

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



In order to best support our existing customers in these unprecedented times, we have made the difficult decision to stop accepting new product applications for the time being.
If you already have an application in progress with us and wish to discuss it, please get in touch with your introducing broker or contact us on 0161 933 7113.

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

You are likely to repay more overall if you select a longer-term mortgage to reduce your monthly payments.

Build: 1.3.7.20756