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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 covering new build homebuy, homebuy direct and resales of existing shares. 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 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. 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, or find out about registering for shared ownership properties and eligibility for homebuy schemes in your area.

Further Reading

Shared Ownership Mortgage Tools

  • Shared Ownership mortgage calculator – see how much you could borrow on a part buy / part rent shared ownership mortgage/ new build homebuy. We use daily updated mortgage rates to give you a robust estimate of both borrowing potential and approximate monthly cost.
  • Shared ownership properties - find information on how to register for shared ownership homes for sale in your area.
  • 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.

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.

Subscribe to our free e-newsletter updates. These include important updates on changes to our exclusive mortgages, as well as general news about the shared ownership market.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Share to buy Ltd is authorised and regulated by the Financial Services Authority.

FSA register number 306800. You can find more detail on our status in our Initial Disclosure Document [109k] and Terms of Business. For further information, contact us or write to: Share to buy, PO Box 9110, Ongar, CM5 9WH. Registered in England and Wales no: 04909788.

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