Compare shared ownership mortgages

Independent Mortgage Advice | Compare Shared Ownership Mortgages

We have teamed up with John Charcol to offer you whole of market mortgage advice. As an independent mortgage broker, they have over 40 years’ experience in finding the best mortgage rates for every type of buyer.

Simply complete the below form and one of John Charcol’s expert mortgage advisers will call you back for a free consultation. Alternatively, you can give them a call on 03717 052 543 at your convenience.


Compare shared ownership mortgages and shared ownership remortgage options.

What shared ownership is: 

In short, shared ownership is where you own a percentage of a property and a housing association owns the rest.  You take out a mortgage to purchase the portion you want and you pay rent on the portion you don’t own.  The amount you own will be determined by you when you purchase the property based on what you can afford.  Typically, you can get shared ownership where you own between 25% and 75% of your home. You can also ‘staircase’  which is where you buy a bigger share of your property from the housing association. You typically staircase by purchasing portions of 10% or more at a time.

How to get a shared ownership mortgage: 

Shared ownership mortgages are not currently offered as standard on the high street.  However, we are now seeing more lenders launching more specialist products as shared ownership is becoming more popular.  There are also a number of specialist providers who can help. You can Compare Shared ownership mortgages on the form below. 

Who is eligible for shared ownership?

Shared Ownership homes are aimed at first time buyers, downsizers or those who used to own a home, but are unable to buy one at the moment.

You are eligible for shared ownership if you have a household income that is less than £80,000 per year (in London it is less than £90,000).

Why should I choose shared ownership?

Shared ownership allows middle and low income earners the opportunity to buy their own home 

You don’t have to save for a large deposit, it can make taking out a mortgage more affordable and you can potentially get on the home ownership ladder a little quicker. It’s also a great way to see if you could manage the full expense of owning your own home outright.

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YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT.

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