Our Graduate Network mortgages
If you have previously taken out a mortgage via Share to Buy ltd from our range of graduate mortgages provided in association with either Britannia or Co-op Bank, we can confirm that there we are no longer arranging mortgages of this type for new customers. However, if you are an existing customer who already has such a mortgage, we continue to offer advice should you wish to consider your options around re-mortgaging or buying a new home. Please contact us to explore further.
13th July 2017
Our latest Solicitor Blog comes from Andrew Theoff, Partner at Shared Ownership Solictors Direction Law. Andrew explain why you will need to use a specialist legal firm with experience in Shared Ownership when you are ready to make a purchase.
3rd July 2017
Read our latest Guest Blog from Humphreys & Co. Solicitors. In this blog, Humphreys & Co. break down the legal process involved in purchasing a Shared Ownership property into 3 steps.
21st June 2017
Are you a shared owner, in London, and looking to make your next move? Then Southern Home Ownership may have the answer!
Since you first bought your shared ownership home, life may have changed. For some it’s the need more space due to a growing family or new partner moving in, or it could be a job relocation to a less central part of London, and for others it could quite simply be the want of a change of scenery. Homes in London are ever increasingly expensive and for many, shared ownership is still the only way you can afford a home in the City. Read on
16th June 2017
As this is our first blog in conjunction with our partners at Share to Buy I felt it only right to introduce ourselves and how we work. My name is Matt Johnson and along with Daniel Mills, one of the partners at our firm, we head up the teams in the Shared Ownership department here at AJLO.
More information on graduate mortgages
There is no such thing as ‘graduate mortgage lenders’ but over the years various lenders, such as Scottish Widows Bank, have targeted people leaving university. This is common practice in other areas of financial services such as current accounts and particularly in recruitment where graduate-specialist firms are common. Share to Buy ltd has previously provided access to a range of exclusive 90% graduate mortgages and we are now seeking another suitable lender.
Will student debt impact on my mortgage application?
In our experience, student loans do not normally make the difference between a successful or unsuccessful mortgage applications. This is because student debt has historically been priced below market rates and is often taken directly out of pay packets. Indeed, it has normally been other privately arranged debt, particularly credit cards and loans, which have affected graduates’ affordability when applying to a lender (in our anecdotal experience).