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Staircasing and shared ownership remortgages
Shared ownership remortgages, no brokers' fees
At share to buy, we can arrange a Shared Ownership remortgage for you without charging a fee, and have access to a wide range of Shared Ownership and homebuy mortgage lenders. This also includes shared ownership remortgages with staircasing (i.e. buying additional shares in the property). If you are looking to staircase right up to 100% ownership, depending on your circumstances you should have a choice of products from the whole mortgage market, not just shared ownership providers. Moreover, because we offer both shared ownership and outright purchase mortgages from the whole of the market, we are well placed to assist with staircasing to full ownership.
Valuations for staircasing
Please bear in mind that if you are looking to staircase as part of your remortgage you will not be able to apply until you have had a valuation conducted on your property in conjunction with the housing association. This is a separate valuation to the one we would instruct through the mortgage lender (though that one is likely to be free as it should be part of a remortgage deal).
Proceeding with your shared ownership remortgage
Ideally, if your application is a straight remortgage (i.e. new shared ownership deal with no staircasing) or if you are staircasing as well and have already had your housing association valuation, you are in a position to get moving straight away and should submit a no-obligation agreement in principle application. Please take care to provide further information about your case in the notes section, particularly if you are staircasing.
About share to buy
Share to buy is a whole of the market mortgage brokerage specialising in shared ownership mortgages and we dont charge any fees. We have access to every type of shared ownership mortgage and remortgage deal. In addition, because we also offer mortgages for outright purchase on the open market, this puts us in a strong position to assist if you are staircasing to buy 100% of your property with full staircasing. These are some of our case studies:
Shared Ownership Case Studies
Next Steps
If you are unsure exactly how staircasing works, we would suggest that you contact your housing association. If you are ready to remortgage right now, please complete an agreement in principle application or contact us to discuss your case.
Further Reading
- Read our dedicated homebuy website for full details on all the homebuy schemes
- Click here for the difference between shared equity and shared ownership
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.
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