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Friends Families Shared Ownership

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Britannia Building Society

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Notting Hill Housing

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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. Please read the following options to decide how you wish to proceed with your shared ownership remortgage:

  • Shared ownership remortgage 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. NB: If you are looking to remortgage and/or staircase, including 100% staircasing, please write this in the notes at the bottom of the form.
  • Shared ownership agreement in principle: this is the best step for commencing an application for a shared ownership remortgage, with or without staircasing (but if you are staircasing you should ideally complete this form after receiving your housing association valuation). The way it works is that you submit personal details to us and use the notes part of the credit section to tell us about your remortgage/staircasing etc. We will then respond with a range of product options. There is no initial credit check but if you like one of the products you see you can then request a credit check and if you pass, proceed at that point to an application.
  • Contact us to discuss your shared ownership remortgage: if your case is complex or you would prefer to speak to a member of our team first, just click here for our contact details. You can phone, email or request a call back.

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 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.

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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