Shared Ownership Mortgages
A smaller deposit and lower monthly costs — a realistic route onto the ladder.
Shared Ownership lets you buy a share of a property — often between 25% and 75% — and pay rent on the rest. It means a smaller deposit and lower monthly costs, making home ownership achievable sooner.
Over time you can buy further shares (known as staircasing) until, in many cases, you own your home outright. We'll find lenders who specialise in Shared Ownership and guide you through the scheme's rules.
Key features
Smaller deposit
Your deposit is based on the share you buy, not the full value.
Staircasing
Increase your share over time as your circumstances improve.
Scheme specialists
Access lenders who understand Shared Ownership criteria.
Clear guidance
We explain the rent, service charge and resale rules in plain terms.
Is this right for you?
This could be a great fit if:
- You can't yet afford to buy outright on the open market
- You have a smaller deposit but a stable income
- You want a realistic first step onto the ladder
- You plan to buy more of your home over time
Frequently asked questions
How big a share can I buy?
Usually between 25% and 75% to start, depending on the scheme and your affordability. You can often staircase up later.
Do I pay rent as well as a mortgage?
Yes — you pay a mortgage on the share you own and subsidised rent on the remainder, plus any service charge. We'll show you the full monthly cost.
Can I eventually own it outright?
In most cases, yes. Staircasing lets you buy additional shares until you own 100% of many properties.
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Moving Home
Porting your current deal or arranging a new one — we'll compare both routes.
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Remortgage
Switch to a better rate, release equity or reduce your monthly payments.
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Thank you so much for your help Iuliana, for all the support offered in the process of purchasing our first house. Very professional, available every time we had questions, gave us the best advice to find the most suitable offer for us.Loredana Elena · July 2022 28 clients recommend us
Wondering whether a share would work for you?
Ring us with the share you're being offered and the rent alongside it. Ten minutes on the phone and you'll know where you stand.
