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Shared Ownership Mortgages

Compare shared ownership mortgages – including 5% deposit options

Share to Buy has huge experience of arranging mortgages for shared ownership and other affordable home ownership schemes. Customers who have found a property and need a mortgage now can compare shared ownership mortgages online and apply via Share to Buy's own web-based mortgage service.

Other options

  • To log in to an existing application click here.
  • If you are just starting out and want to research your borrowing and mortgage cost potential, we offer a shared ownership mortgage calculator on our facebook page.
  • For shared ownership remortgages, including staircasing (buying more shares), click here.
  • For our exclusive open market graduate mortgages with a 10% deposit click here.

Start searching for shared ownership mortgages

Latest News

New 95% Exclusive Shared Ownership Mortgage

15th April 2014

Share to Buy is pleased to launch a brand new 95% shared ownership mortgage

We are confident that this is one of the most competitive products available for shared ownership with a 5% deposit and it is only available via Share to Buy’s mortgage team, it’s NOT available on the high street. 


View News Archive

FIRST STEPS Homes Show: latest news

7th March 2014

We are able to confirm it now looks like we will have a total of 30 stands on display at the FIRST STEPS Homes Show on April 12th, which Share to Buy is once again hosting in central London.
This is a FREE event formally endorsed by the Mayor of London which includes a whole range of London-based affordable housing providers PLUS a broker area with around 30 mortgage specialists on hand for a one-to-one discussion with attendees. This compares to 23 stands and 12 brokers last year.  To read more about the show and register click here

Visit our News Archive

Subscribe to our free e-newsletter updates. These include important updates on changes to our exclusive mortgages, as well as general news about the shared ownership market.


We will also use our mailshot to update you when we amend our general graduate finance content.

What mortgages do Share to Buy have access to?

Share to Buy have access to shared ownership mortgages from across the market, including products you may not find through other channels.

How much deposit do I need?

You can usually purchase a shared ownership or Firstbuy/Shared equity home with a deposit of 5% but restrictions may apply depending on the specific property and your circumstances.

What fees do you charge?

Please read our Initial Disclosure Document confirming our fees and services.

What if I have adverse credit?

Unfortunately, it is very difficult to obtain any kind of mortgage in the current market if you have bad credit history on your credit file.


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.

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