Start Shared Ownership Staircasing with Share to Buy

If you already own a Shared Ownership home and want to buy more shares – possibly right up to 100% outright ownership – we can help.

At Share to Buy, we have huge experience of helping people like you to buy more shares and have assisted many clients in the journey from owning a smaller share to becoming a full owner.

Our video below shows how we can help you get started on the process of Shared Ownership staircasing.

The benefits of using Share to Buy for staircasing 

  • Our team has huge experience of assisting all Shared Ownership clients, and we have helped many people to staircase right up to full ownership
  • When it comes to remortgaging to raise the finance for buying more shares, we have access to the whole of the market and a wide range of lenders offering remortgages for Shared Ownership (bear in mind that if you are staircasing to 100% ownership you will have greater choice)
  • We charge relatively low broker fees compared to many intermediaries who specialise in this field (full details below)
  • For every mortgage we arrange, we donate £10 to the homeless and have to date 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 staircasing 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 the monthly payments might be if you were to buy more shares. Our staircasing calculator can provide a robust estimate of how much the new mortgage might cost (including the revised rent figure if you are staircasing to less than 100% ownership).
  • If you have had a valuation of your property, formally commenced the staircasing process and want to know that you could get a mortgage for the new amount you need, you can submit an agreement in principle application to the Share to Buy mortgage team. There is no obligation to apply for a full application but if you receive an agreement in principle you can then proceed to applying to complete the mortgage. Please note: you should write ‘staircasing’ where the form asks for the type of application you are making. 
  • Finally, if you are ready to staircase and looking for a Shared Ownership remortgage to help raise the finance required, you can simply contact our experienced mortgage team to discuss your case. 

Thinking about Shared Ownership Staircasing?

Use our Staircasing Calculator

Interested in staircasing? We can help

Our team of specialists can help you work out how much you can increase your share and which mortgage offers are available

Contact Staircasing Specialist

Suggested Content


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.