| Shared Ownership Properties | Shared Ownership Mortgages | Getting Started |
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Graduate mortgages at 90%
Our exclusive graduate mortgages
Share to buy ltd has an established track record of providing competitively priced mortgages for graduates in partnership with Britannia, a trading name of Co-operative Bank Plc. Our existing graduate mortgage is a competitively priced lifetime tracker for a 10% deposit with no fees and no early repayment charges. Read about our graduate mortgage exclusive. Please note: this product is only for joint mortgages.
More information on graduate mortgages
There is no such thing as ‘graduate mortgage lenders’ but over the years various lenders, such as Scottish Widows Bank, have targeted people leaving university. This is common practice in other areas of financial services such as current accounts and particularly in recruitment where graduate-specialist firms are common. Share to buy ltd has been providing graduate mortgages from Britannia since 2004 when we first targeted friends buying together who had left university and were otherwise likely to flatshare (hence the product is restricted for historical reasons to joint applications, but we would stress that couples, friends or family members can all apply provided that they are graduates or have other professional qualifications). Read about the full Share to buy graduate exclusive product criteria.
Will student debt impact on my mortgage application?
After arranging mortgages for graduates since 2004 we have fairly extensive experience of the circumstances likely to affect applicants in the graduate market. In our experience, student loans do not normally make the difference between a successful or unsuccessful mortgage applications. This is because student debt has historically been priced below market rates and is often taken directly out of pay packets. Indeed, it has normally been other privately arranged debt, particularly credit cards and loans, which have affected graduates’ affordability when applying to a lender (in our anecdotal experience). If you are a graduate first time buyer looking for a mortgage, and applying jointly with another graduate, please read about our exclusive Britannia Graduate mortgages.
Shared Ownership Case Studies
Latest News
Shared ownership properties for sale
16th May 2012
Are you looking for properties for sale through the shared ownership scheme? These are homes where you part buy part rent, meaning that your initial deposit and potentially your monthly payments are somewhat lower than in a normal house purchase. Look no further! We have shared ownership houses and flats available on the part buy scheme across England. Search our property portal or register for alerts.
Firstbuy shared equity houses in Greater Manchester
16th March 2012
This is your chance to buy a share in a brand new 2, 3 or even 4 bedroom house and yet own the whole thing from the outset. These lovely houses in Hyde, Manchester are available on the Firstbuy scheme, a Government sponsored shared equity affordable housing scheme that means you can put down a deposit starting from as little as £5,600. More detail here on the 2 bed house, 3 bed house and 4 bed house.
Tools
- Search: search for shared ownership properties; search for shared ownership mortgages; search for shared ownership solicitors.
- Calculators: shared ownership mortgage calculator; staircasing calculator; open market calculator.
- Apply: shared ownership mortgages; agreement in principle
Britannia exclusive enquiry?
0845 686 0812
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