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.
31st December 2016
For those looking for Shared Ownership homes in the south of England, we've had more recent additions which may be of interest.
Click the following link to read on and see these new Shared Ownership houses and apartments which were added to our website in late December. Read on
Click here to begin your search for a shared ownership property in any area.
5th December 2016
While you are looking for a suitable property and going to viewings, there is one task that you can sensibly start, so that when you have been offered a property, your mortgage application is not delayed. All mortgage applications will require that you provide documents as part of the process so start getting your documentation ready.
7th November 2016
We've teamed up with WhatHouse? to bring you Your Guide to Shared Ownership. Inside you’ll find all you need to know about the scheme: whether you are eligible, the process of finding and purchasing a Shared Ownership property, the pros and cons of Shared Ownership and much, much more.
20th October 2016
Read our latest blog from our Mortgage Expert Stephen Dwelley. In this blog Stephen answers the frequenlty asked questions from first time buyers trying understand how much they can borrow for a mortgage and what is affordable.
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).