| Friends | Families | Shared Ownership |
In association with:
Britannia Building Society
Notting Hill Housing
Britannia Exclusive
90% lifetime tracker: no fees or tie ins
Share to buy is an affinity partner of Britannia building society and we offer the following exclusive mortgage only available through sharetobuy.com:
- Bank of England Base Rate plus 0.85%, currently 5.85% variable for the life of the mortgage. The overall cost for comparison is 6.1% APR.
- 90% loan to value with No Arrangement Fee, No Administration Fee, No valuation fee and No early repayment charges.
Important criteria notes
- Only available for graduates or those with professional qualifications.
- Available for PURCHASE ONLY, minimum of two applicants.
- Open market only, not available for shared ownership with a housing association.
- Income multiples: 3.75x two incomes or 2.5x all of 3 or 4 incomes. All applicants must reside in the property.
- No adverse credit permissible.
How to apply next steps
If you wish to apply, please read the detailed product criteria and then you can produce your own key facts illustration for the share to buy exclusive.
Once you have downloaded a key facts illustration, if you wish to apply, you should complete an agreement in principle application. You will be asked what product and lender you wish to apply for and you should state 'Britannia exclusive'. On receipt of your agreement in principle application, we will NOT credit score your application but will confirm if it fits the general criteria of this product. If it does, we will approve the case in principle and enable you to submit a full application to Britannia at which point it will be credit checked and assessed by Britannia.
About share to buy
Share to buy is a specialist brokerage dedicated to helping people looking to share their next step on the property ladder. We dont charge any fees and although we are an affinity partner of Britannia building society we are also able to search the whole of the market.
The Britannia exclusive was first set up as a radical new product taking up to four incomes in to account, thus enabling young professionals to buy in groups of 3 or 4 instead of renting, but the product is also available for 2 applicants buying jointly. To find out more, read about our affinity partnership with Britannia on the Britannia website or read further information about share to buy.
Share to Buy Case Studies
Next Steps
Read about the detailed criteria of our product; download a key facts illustration or apply for an agreement in principle on our exclusive fee-free lifetime tracker.
Mortgage Tools
- Mortgage calculator see how much you could borrow alone or as a couple, with friends, family or on a shared ownership mortgage. A basic estimate.
- Mortgage illustration you submit summary details for each applicant and a member of our team will reply with an estimate of your mortgage potential and provide an indication of likely repayments.
- Agreement in principle you provide detailed personal information and we respond with detailed illustrations for a choice of specific mortgage products currently available in the market. If you like one of the products, you can then request a non-binding decision from the lender confirming whether they would agree in principle to lend you that amount, subject to valuation and income verification. This can be very useful to prove to a vendor or housing association that you are able to purchase a property.
Mortgage Information
- House Buying Process including details of how to apply.
call us today
0845 271 0890
or email us with a time to call you
Calls charged at local rate.
Office hours 9am-5.30pm.
Looking for a co-buyer?
Find out about our co-buying events
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