What do we do?

We offer shared ownership mortgages to borrowers in order to help them achieve their homeowner aspirations, no matter what their circumstances are.

What is a shared ownership mortgage?

Shared ownership mortgages gives borrowers, such as first time buyers, the opportunity to purchase a share in a property. The remaining share is then held by a local authority or housing association. The buyer pays a mortgage on the share they own and rent on the remaining share.

Because the buyer only needs a mortgage for the share they are purchasing, the amount of deposit required is lower than it would be for the full cost of a property. It is possible to increase the share a buyer owns over time, and this is called staircasing.

Our Product Criteria
  • We would require a minimum 5% deposit of the share
  • Available for purchase, remortgage and further advance
  • Maximum loan size of £1,000,000
Make an Enquiry

If you would like to make a mortgage enquiry, fill out the form linked below so we can pass you onto our trusted partner, Concept Financial Services.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Find out more
Find out more