Shared Ownership mortgages with Share to Buy

Share to Buy can help you find a Shared Ownership mortgage

Our team has huge experience of assisting Shared Ownership clients arrange their first mortgage. We have access to the whole of the market and a wide range of lenders offering mortgages for Shared Ownership, and our specialist Shared Ownership mortgage team can guide you through the whole process.

We charge competitive broker fees compared to many intermediaries who specialise in this field and for every mortgage we arrange, we donate £10 to St. Mungo’s homelessness charity; to date we have raised thousands of pounds for those with no home at all.

Our fees

  • To assess your agreement in principle application against lenders specific criteria and affordability calculations: No FEE
  • To check bank statement and payslip against lenders requirements and submit an agreement in principle application to a mortgage lender: FEE £50
  • To check full application, all supporting paperwork and submit a full application to the lender and then liaise with the lender as necessary: Fee £199
  • Please note that these fees are not refundable.

The mortgage process with Share to Buy

There are three main options for getting your staircasing journey underway with Share to Buy:

If you just beginning your research, you are likely to want have some understanding of how much you can afford to borrow, and our easy to use Shared Ownership Mortgage Calculator (coming soon). This will give you an indication of whether the figure you wish to borrow is deemed as affordable.

If you have found a property you are interested in, then we would recommend using our Mortgage Comparison tool, which let’s you search the market and compare the various mortgage offers which may be available to you. When you have found a mortgage you would like to apply for, you can start the process of applying for an agreement in principle.

Finally, if you have already made an offer for a property, then you should contact our mortgage team and they will assist you through the process.

Latest news

Shared Ownership homes: Weekly round up

No matter where you are in the UK, Shared Ownership can help you to take those important first steps onto the property ladder! Check out some of the latest new build and resale homes listed on Share to Buy with properties available all across the country. Shared Ownership homes in London Lomond House by Clarion Housing. One…

Shared Ownership Myth Busting

You’ve been looking into Shared Ownership and think it might be the right scheme for you… but then you hear some things on the grapevine that unsettle you. There’s no family homes, just tiny starter flats. It’s impossible to get a mortgage and even if you do, you’ll have to share your new abode with…

Shared Ownership homes: Weekly round up

No matter where you are in the UK, Shared Ownership can help you to take those important first steps onto the property ladder! Check out some of the latest new build and resale homes listed on Share to Buy with properties available all across the country. Shared Ownership homes in Devon Hayne Farm by Heylo. Three and…

All I want when I grow up? A home of my own!

Data from a recent survey from Share to Buy shows that getting on the property ladder when they grow up is a priority for under 10s in the UK, with three quarters of kids confirming they would like to purchase their own home when they’re older. The national survey of one thousand six to ten…