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Share to Buy mortgage application

Agreement in principle or full application

Submit an agreement in principle application to the Share to Buy mortgage team if:

  • you have been offered a property and need to find a mortgage
  • or are looking at specific properties and may need a mortgage soon

If you are just researching potential costs for a Shared Ownership mortgage, and do not yet have any specific properties in mind, you should generally use our Shared Ownership mortgage calculator and submit an agreement in principle further down the line.

How it works

  • You submit personal details about each applicant using our secure online agreement in principle application form.
  • We will respond with illustrations for mortgages that you may be able to apply for, ideally showing you a range of competitively priced options.
  • At this point, we will not have run any credit checks and when we send you the illustrations there is no obligation to proceed any further.
  • If you like one of the options, you can request an agreement in principle from the lender and this may involve a credit check but we would only conduct a credit check with your explicit consent.
  • If you pass the initial check and have not yet had an offer accepted on a property, you can now provide proof that you should be able to obtain a mortgage. If you have had an offer accepted, you can log back in to complete a 'full application', i.e. providing property details, solicitor etc. We will then arrange the mortgage for you right up to completion, taking care of any paperwork or fees (where appropriate) and keeping you regularly updated as to developments.

Important notes

  • There is no fee for submitting the agreement in principle application.
  • An agreement in principle is not binding on either you or the lender and is always subject to, amongst other items, valuation of the property and proof of income.

Click here to apply for an agreement in principle.

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 Conduct Authority. FCA 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 11998, Sudbury CO10 3BS. Registered in England and Wales no: 04909788.