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Shared Ownership Mortgage
Shared ownership mortgages, no brokers' fees
At share to buy, we can arrange a Shared Ownership mortgage for you without charging a fee, and have access to a wide range of Shared Ownership and homebuy mortgage lenders including those who will consider an application to buy 100% of a share. If you have been offered a property by a housing association we strongly suggest that you submit an agreement in principle application or use the urgent enquiry facility so that we can help you as soon as possible. Alternatively, please use the following shared ownership mortgage tools available on our site:
- Shared ownership mortgage calculator: a basic estimate of what you might be able to borrow with a shared ownership mortgage scheme.
- Shared ownership mortgage illustration tool: we can give you a more accurate idea of your borrowing potential with a shared ownership mortgage, as well as outlining the potential monthly cost.
- Shared ownership agreement in principle: many housing associations require you to have a shared ownership mortgage agreed in principle so that they can offer you a property and we provide a straightforward application in order to obtain your mortgage in principle. If a housing association has already offered you a property and you want to apply in full, when you pass the agreement in principle you can log back in to give us the property details.
- Staircasing and shared ownership remortgages: click here if you are looking to staircase (i.e. buy more shares in your existing shared ownership property) or remortgage your existing shared ownership deal – or both. If you want to staircase to buy 100% of your property, this is usually straightforward and because we are whole of the market brokers, in this situation we can usually offer you a very broad choice of products beyond the usual shared ownership providers (depending on your circumstances).
- Shared ownership solicitors: click here for information on solicitors with experience of shared ownership mortgages.
About share to buy
Share to buy is a whole of the market mortgage brokerage specialising in shared ownership mortgages and we don't charge any fees. We have access to every type of shared ownership mortgage deal, ranging from 100% of a share to shared ownership mortgages with adverse credit, and including both open market homebuy and shared equity schemes with no rent payable. Our experienced staff have helped hundreds of people right across the UK to buy their first home with a shared ownership mortgage, and you can see some examples in the following case studies.
Shared Ownership Case Studies
Next Steps
If you have already been offered a property by a housing association and need a shared ownership mortgage today, we recommend that you contact us through the urgent enquiry facility or submit a no-obligation agreement in principle application. Alternatively, see how much you can borrow on our Shared ownership mortgage calculator, request a Shared ownership mortgage illustration or use the further reading and shared ownership mortgage tools section below.
Further Reading
- Case studies
- Shared ownership basics, ideal for beginners
- Guide to the shared ownership house buying process
Shared Ownership Mortgage Tools
- Shared Ownership mortgage calculator – see how much you could borrow on a shared ownership mortgage. A basic estimate, ideal for those starting out from scratch.
- Shared Ownership mortgage illustration – you submit brief details for each applicant and a member of our team will reply with an estimate of your mortgage potential and an approximate indication of the monthly cost.
- Shared Ownership mortgage agreement in principle – if you have been offered a property by a housing association you will need to obtain an agreement in principle to prove you can obtain a mortgage, and if you are successful you can then apply in full to purchase the property. The way it works is that you provide your personal information (address history, credit commitments etc) and we respond with detailed illustrations for a choice of mortgage products. If you like one of the products, you can then request a credit check from the lender confirming whether they would agree in principle to lend you that amount, subject to valuation and income verification. There is no charge and it's not binding on your or the lender so even if you pass a credit check you are not obliged to apply to that lender.
General information about shared ownership
- Shared Ownership house buying process – read our guide to buying a property with a shared ownership mortgage.
- Staircasing and Shared Ownership remortgages – if you are looking to staircase (i.e. buy further shares in the property), remortgage your current shared ownership/homebuy deal – or both – we have significant experience in this area. Due to the fact that we are a whole of the market broker we can also arrange an open market mortgage if you are looking to staircase to buy 100% of the property. As always, there is no fee charged.
- Shared Ownership solicitors - click here for information on solicitors with experience of shared ownership mortgages.
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0845 686 0812
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