Mortgage Advice for Shared Ownership Clients.

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Taking your first step onto the property ladder doesn’t have to feel out of reach.

Shared ownership can make owning a home more affordable—and we’re here to guide you through every detail with care and clarity. We’ll help you understand how the scheme works, check your eligibility, and navigate affordability assessments with local housing associations. From matching you with the right lender to explaining the fine print, we’re with you from first enquiry to moving day—making the journey feel straightforward, supportive, and genuinely exciting.

Shared Ownership FAQs

  • Shared ownership is a government-backed scheme that allows you to buy a share of a property (usually between 25% and 75%) and pay rent on the remaining share, which is owned by a housing association. It’s designed to make getting on the property ladder more affordable, especially for first-time buyers.

  • Eligibility typically depends on your household income (usually under £80,000, or £90,000 in London), your ability to afford the costs, and not currently owning another property. We’ll guide you through the eligibility checks and help you assess whether shared ownership is the right fit for you.

  • Yes, this is called staircasing. You can usually buy more shares in your home when you're ready—often up to full ownership. We’ll explain how staircasing works, what costs are involved, and how it affects your mortgage and rent.

  • Yes, but it's typically much lower than with traditional purchases. Most lenders only require a deposit based on the share you're buying—not the full market value of the property. We’ll help you find a mortgage deal that suits your deposit and monthly budget.

  • Alongside your mortgage repayments, you’ll pay rent on the share you don’t own, plus service charges and maintenance fees if applicable. We'll break down all the costs clearly, so you know exactly what to expect before you commit.

Ready to Talk?

Drop us a message or book a quick call — no jargon, no pressure, just straightforward advice from someone who’s on your side.

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