Manage Cookie Settings

Preferences updated.

Essential Cookies

Essential cookies allow us to remember the choices you make on our site and to provide enhanced and more personalised features, such as acknowledging a service announcement, remembering if we have asked you to participate in a promotion and for other services you request. These features help us to improve your visit to our website and are essential to the funcionality of the website and so cannot be disabled.

Non-Essential Cookies

The non-essential cookies on our website are mainly analytical cookies and are used to track visitors on the website. They are crucial in measuring the performance of a website and to optimise it. If you do not wish for us to track your usage you can disable these here

Shared Ownership Mortgages

We’re working with Mortgage Advice Bureau to help you find the best mortgage deal by comparing 1000’s of mortgages from over 90 different lenders.


Shared ownership mortgages are particularly popular with first-time buyers.

Instead of a big deposit, which many people can find difficult, a shared ownership mortgage usually only requires 5% of the property’s value.

Shared Ownership Q & As

So how does shared ownership work?

Shared ownership is a great way to get onto the property ladder. Simply put, you buy a share in a property and rent the rest. As a guide, you can normally buy between 25% and 75% of the property. You can buy a newly built house or one which is being sold by a housing association.

Where can I get a mortgage for shared ownership?

You’ll need to take out a mortgage from a lender who specialises in this type of loan to pay for your share of the property’s purchase price. In time, you may be able to buy a greater share to get you to full ownership.

Who can buy a shared ownership property?

This depends on where you live in the UK. For England, you’ll usually need to be a first-time buyer with a combined household income below £80,000 outside London. Military personnel may also have priority.

What is staircasing?

When you can afford it, you’ll be able to buy more of the property – this is called ‘staircasing’ – and increase your investment.

If you’re interested in finding out more about mortgages for Shared Ownership our mortgage experts can help you. Simply call 01664 494100 or visit our Mortgage Advice Bureau website.

Search for your next mortgage with Mortgage Advice Bureau

To book an appointment please call 01664 494100 or take a look at our Mortgage Advice Bureau website where you can also see the latest deals, access mortgage calculators, meet the team, get expert advice and much more.

Following the Bank of England Base Rate increases, our Standard Variable Rate is due to increase from 4.99% to 5.39% with effect from 1st June 2022.

Please also bear with us as our telephone lines will be busier as we help our customers