Shared Ownership Mortgages
Compare shared ownership mortgages – including 5% deposit options
Share to Buy has huge experience of arranging mortgages for shared ownership. If you have had an offer accepted on a property, or are staircasing and need a mortgage today, CONTACT OUR MORTGAGE TEAM to request a priority call back.
Alternatively, you can compare shared ownership mortgages online using our dedicated comparison site, and then apply online for an agreement in principle from our mortgage team.
If you are just starting out and want to research your borrowing and mortgage cost potential, we have a simple Mortgage Affordability Calculator for you to use.
We should stress that although we are primarily online based, enabling us to offer a service across the UK, our mortgage team consists of experienced brokers – not robots – and for all mortgages we arrange we donate £10 to a homelessness charity.
- To log in to an existing application click here.
- For shared ownership remortgages, including staircasing (buying more shares), click here.
23rd May 2016
“There was no way I would have been able to afford a home without buying through the Shared Ownership scheme. Being in my early 20s, buying outright on my own would have been impossible and I found I was being priced out of London, even in places I could commute from. The scheme was the most reasonable and realistic option for me to get onto the housing ladder with the money I had available, and this meant that I was able to purchase a 50% share of my home.”
18th May 2016
One of the questions most often asked is ‘How much can I borrow for a mortgage?’ Our latest blog introduces the new Share to Buy Mortgage Affordability Calculator, a new tool to give you an indication of what is affordable for you to borrow.
28th April 2016
Our latest blog is a quick look at Shared Ownership - who it it for and how does it help?
19th April 2016
Our lastest Guest Blog comes from StrideUp and looks at the areas in London in which the prices are rising fastest.
"We all know house prices in London are high. There are many aspects to think about if you're aspiring to be a homeowner, not least of which is deciding where to buy. Obviously this is a decision largely based on personal circumstances, but if you want to make the most of your money, it doesn't hurt to also think about where property prices are rising."
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.